Walnut Creek and the San Francisco Bay Area feature beautiful homes and neighborhoods, but also a steep real estate market.
To ensure that your housing is affordable now and in the future, you need to shop for a competitive home purchase loan.
In order to make sure that every customer’s needs are met, we offer a wide variety of mortgages.
With a conventional mortgage, you can purchase a home with financing up to the limit set by Fannie Mae and Freddie Mac for conforming loans.
If your financing needs exceed the Fannie Mae and Freddie Mac conforming loan limits, you can purchase a home in the Bay Area using a jumbo loan.
An FHA loan is insured by the Federal Housing Administration (FHA). With an FHA loan, you can purchase a home in the Bay Area or elsewhere in CA with a down payment of just 3.5%. You do not require a perfect credit score.
Another affordable loan type with flexible credit qualifications is a VA loan insured by the Department of Veterans Affairs (VA). You can purchase a home with zero down using a VA loan without having to pay for private mortgage insurance every month.
For Self-Employed. For borrowers with nontraditional income situations, we offer stated income loans, also called bank statement loans. These allow you to obtain financing without providing a W-2.
On your own, it can be a challenge to figure which type of home loan will be most affordable and will help you to best meet your goals.
Some considerations are:
As a mortgage broker, we work with a network of lenders throughout the Bay Area and beyond. No matter what your needs are, we can find a loan which is an ideal and affordable fit for you.
We enjoy getting to know our customers. During your consultation, we take the time to ask you questions to better understand your needs.
Team Trejo is here to help you now and in the future. At any point down the line, if you need assistance with your mortgage or any other lending needs, we are here to offer advice and connect you with options.
We provide you with the education, support and guidance you need to navigate the complexities of the mortgage process, streamlining and simplifying it as much as possible so that it is quick and easy.
If you are ready to buy a home in Walnut Creek or the Bay Area, please call us today at (925) 478-8630 to schedule your consultation. While we are based in Walnut Creek CA, We serve customers in the San Francisco Bay Area. This includes Martinez, Concord, Pleasant Hill, Alamo, Danville, San Ramon, Orinda, Moraga, Lafayette and throughout California.
Bridgepoint Funding is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines.