Mortgage broker serving Belmont, CA, offering a full range of loan programs - purchases, refinancing, investment properties, FHA, VA, jumbo, DSCR, bank statement loans, down payment assistance, and more. Personalized programs for your unique situation. 40+ years California mortgage experience.
Schedule a quick 15-minute call and we'll match you to the right program and give you the best rate for your unique situation.
We as brokers shop hundreds of lenders for you. Banks offer their own limited products.
As mortgage specialists serving Belmont buyers, we match your unique situation to the right program.
Financing in Belmont's premium market demands lenders experienced with jumbo loans above $1.25M.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Belmont purchase.
SCHEDULE FREE CONSULTATION"For over 30 years, A Good Lender has been a trusted and essential part of my family's financial journey, guiding us through more than a dozen mortgage financing transactions with professionalism, integrity and care. What sets A Good Lender apart is their reliability and ability to demystify the mortgage process."
"Rodney Roloff & The Team at A Good Lender made my house buying process a breeze. Rodney helped me to better understand the loan process and walked me through everything step by step. If your looking for a good lender. One who will help you get the best rate. I highly recommend reaching out to Rodney and his team at 'A good lender'"
"From our first home buying experience, to exploring HELOC options, and refinancing, every step we were supported with clear and accurate information. A team who's knowledgeable, prompt to respond to any questions, and who genuinely cares for their clients is a rare find in this industry."
We've simplified the mortgage maze into four clear steps. No surprises, just results.
Complete your loan application online and upload your documents. We'll review everything to make sure it's complete before submitting to our lending partners.
We submit your application to our lending partners. Their underwriters review your documents, verify your income and credit, and issue your loan approval.
Sign your final documents, get your keys, and move into your Belmont home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Belmont starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Belmont home buyers—covering purchase loans, refinance, commercial real estate, and specialized financing like bank statement and jumbo loans. Explore the general programs to compare down payment options and requirements, or apply now for a custom financing solution tailored to your Belmont property.
Whether you're buying your first condo or a $3M estate, we offer comprehensive financing solutions with 14-day closings. Explore our complete range of purchase loan programs below.
Refinance to lower your interest rate, shorten your loan term, or access home equity for renovations, debt consolidation, or investment opportunities. Explore all refinance programs below.
Finance commercial real estate, owner-occupied buildings, or business expansions. Explore all commercial financing programs below.
Finance new construction, renovations, or land purchases. Explore all construction and renovation programs below.
From condos and townhomes to multi-family buildings and unique property types. Explore all specialized property financing programs below.
We specialize in complex financing scenarios where traditional loans don't fit. Explore all niche programs below.
Access California's down payment assistance programs. Explore all DPA programs below.
Self-employed professionals, freelancers, and business owners. Explore all special income documentation programs below.
Speed & Certainty
Whether you're buying your first condo or a $3M estate, we offer comprehensive financing solutions with 14-day closings. Explore our complete range of purchase loan programs below.
Rate & Term, Cash-Out
Refinance to lower your interest rate, shorten your loan term, or access home equity for renovations, debt consolidation, or investment opportunities. Explore all refinance programs below.
SBA 504 & 7(a)
Finance commercial real estate, owner-occupied buildings, or business expansions. Explore all commercial financing programs below.
Build & Improve
Finance new construction, renovations, or land purchases. Explore all construction and renovation programs below.
Specialized Properties
From condos and townhomes to multi-family buildings and unique property types. Explore all specialized property financing programs below.
Complex Scenarios
We specialize in complex financing scenarios where traditional loans don't fit. Explore all niche programs below.
CalHFA & Local DPA
Access California's down payment assistance programs. Explore all DPA programs below.
Alternative Documentation
Self-employed professionals, freelancers, and business owners. Explore all special income documentation programs below.
Popular loan programs for Belmont homebuyers. Compare options and find your best fit.
| Loan Type | Down Payment | Credit Score | Best For |
|---|---|---|---|
| Jumbo | 10-20% | 680+ | Luxury properties above $1,249,125 |
| Bank Statement | 10-20% | 660+ | Self-employed, business owners, tech consultants |
| Asset Depletion | 10-20% | 680+ | Retirees, investors with $500K+ liquid assets |
| VA | $0 | No minimum | Veterans, active military (0% down on any price) |
| DSCR | 20-25% | 660+ | Investment properties, no income verification |
| No Down Payment Program Featured | $0 (3.5% grant) | 580+ | First-time buyers - grant covers FHA or Conventional down payment |
| Reverse Mortgage | N/A | No minimum | Seniors 62+ accessing Belmont home equity |
Questions? Call (510) 589-4096 or email info@agoodlender.com
With Belmont's $2.3M median, most buyers need jumbo loans above $1.25M. Rates now competitive with conforming.
Business owners in Belmont qualify on bank deposits. Write-offs hurt tax returns but deposits tell the real story.
Wealthy Belmont buyers use portfolio value instead of employment. Asset depletion works for retirees and investors.
Some Belmont condos and smaller homes under $1.25M get conforming rates. Most properties need jumbo.
Belmont veterans get zero down with no loan limit. Best benefit for luxury purchases.
Belmont buyers use bridge loans to avoid contingent offers. Buy first, sell later.
LLC purchases for Belmont investment properties. Buy in entity name for liability protection.
Pull equity from your Belmont home. Cash-out refinance for investments, renovations, or debt payoff.
Conforming refi for Belmont properties under the limit. Most will need jumbo refinancing.
Belmont owners tap equity with HELOC. Draw funds as needed, pay interest only on balance.
Fixed home equity loans in Belmont. Lump sum with predictable payments.
Belmont veterans use VA IRRRL to lower rates. Streamlined process with minimal documentation.
No seasoning cash-out for Belmont properties. Access equity right after closing.
DSCR loans for Belmont investors. Qualify based on property cash flow, not personal income.
Fix-and-flip loans for Belmont investors. Finance purchase plus renovation costs.
Belmont apartment investors use multifamily loans. Commercial financing for 5+ units.
Belmont commercial investors use hard money. Quick closing for time-sensitive deals.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Belmont buyers with qualifying income.
CalHFA down payment help available for Belmont first-time buyers. Income limits may restrict use.
Gift of equity for Belmont family sales. Equity counts as down payment in related transactions.
Belmont buyers can add parent as co-borrower. Combined income qualifies for higher amount.
Every situation is unique. The right loan program depends on your unique situation. See what works best for you.
Questions? Call (510) 589-4096 or email info@agoodlender.com
Belmont sits right in the middle of the Peninsula, about 25 miles south of San Francisco in San Mateo County. Population is 27,820, median household income $185,944. The homeownership rate here is 56.6%, which is actually pretty typical for the Peninsula where high prices push more people into renting. At $2.25M median home price, this isn't entry-level territory. You're looking at jumbo loan country, and you'll need serious income documentation and reserves to qualify.
The schools are a huge part of why people stretch their budgets to buy here. Central Elementary, Cipriani, Fox, and Nesbit all feed into the Belmont-Redwood Shores School District, which consistently ranks among the top districts in the Bay Area. Sequoia Union High School serves the area and pulls strong marks. When you're dropping $2M+ on a house, school quality isn't just about your kids. It's about protecting your investment. Buyers with families will pay a premium for these schools, which means your resale value stays strong even when the market softens. The district stability here is rock solid, and lenders know it. That translates to smoother appraisals and better loan terms.
Here's the thing about Belmont. The neighborhoods don't vary wildly in price because you're already at the top end of the market. Sterling Downs runs around $2.3M, mostly single-family homes on hillside lots with views toward the Bay. You'll need a jumbo loan with 20% down minimum, so plan on $460K cash just to get in the door. Belmont Hills sits in the western part of the city, also around $2.3M, elevated terrain with similar housing stock. Downtown Belmont along Ralston Avenue hits that same $2.3M mark, but you're trading yard space for walkability to shops and restaurants. The loan structure is pretty uniform across all three areas. Expect jumbo rates, and if you're self-employed or have stock compensation from tech, work with a lender who understands how to document that income properly.
The commute situation is what makes Belmont worth the price for a lot of buyers. You're 31 minutes to San Francisco, 37 to Oakland, 34 to San Jose, and just 16 minutes to Palo Alto. That puts you within striking distance of basically every major job center in the Bay Area. Caltrain runs through town, which matters if you're commuting to the city or down to Silicon Valley without wanting to burn two hours a day in traffic. The central location means you're not locked into one job market. If you switch from a San Francisco employer to a South Bay tech company, you don't have to move. That flexibility protects your investment when the job market shifts.
The local economy is anchored by the Belmont-Redwood Shores School District, which provides stable public sector employment. But the real story is the proximity to major tech employers. Oracle's massive campus is right next door in Redwood City, RingCentral has a presence nearby, and you're a short drive from the venture capital and tech hub of Sand Hill Road. The City of Belmont itself employs residents in municipal roles. Most buyers here work in tech, finance, or professional services and pull down the kind of income you need to qualify for a $2M+ mortgage. Lenders look favorably on W-2 income from established tech companies, but if you're heavy on RSUs or options, make sure your loan officer knows how to count that toward qualifying income.
Common questions from Belmont homebuyers and refinance clients. Can't find your answer? Book a 15-minute call with a Senior Loan Officer.
Pre-approval typically takes 24-72 hours. Full underwriting approval takes 14-21 days. We work with lenders offering express underwriting for strong borrowers who need faster closings.
Standard documents needed: pay stubs (last 30 days), W-2s (past 2 years), tax returns (past 2 years), bank statements (past 2 months), and photo ID. Self-employed borrowers need business tax returns and P&L statements. We'll provide a complete checklist for your situation.
Typical Belmont closing timeline: 30-45 days from accepted offer. VA/FHA loans may take slightly longer. Cash buyers close in 7-14 days. We work to meet your timeline and coordinate with all parties to close on schedule.
You have several low down payment options in Belmont: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Belmont buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Belmont buyers. We also offer our 6-Month Forgivable Grant (covers 3-3.5% down, forgiven after 6 months), CalHFA programs, and local first-time buyer assistance. Unlike CalHFA's 5-year requirements, our programs have no income limits and no first-time buyer requirement.
Yes! Zero-down options for Belmont buyers include: VA loans (eligible veterans), USDA loans (eligible rural areas), and our 6-Month Forgivable Grant Program combined with seller concessions for closing costs. Many Belmont families purchase with minimal upfront cash.
2026 San Mateo County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Belmont properties fall within conforming limits, maximizing your financing options.
For Belmont's $500,000 median price: FHA is better for credit scores under 680 or down payments under 5%—it's more forgiving on DTI ratios too. Conventional is better with 5%+ down and 700+ credit (lower PMI costs). We compare both options for your specific situation.
A denial doesn't mean you can't buy in Belmont. We review your denial letter, identify the specific issues (credit, DTI, income documentation), and match you with lenders who have more flexible guidelines. Common solutions include FHA loans for credit flexibility, alternative documentation, or co-borrower structures.
Credit requirements by loan type: FHA accepts 580+ (or 500 with 10% down), conventional starts at 620, VA at 620+. Our zero-down grant program works with 640+. Higher scores (720+) get better rates, but we work with borrowers across the credit spectrum.
Absolutely—first-time buyers are our specialty in Belmont. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in San Mateo County, and structure your purchase to minimize upfront costs.
You still have options in Belmont. FHA loans accept credit scores as low as 580 (or 500 with 10% down). We also offer credit improvement strategies and can connect you with rapid rescoring services to boost your score before applying. Many buyers improve 20-50 points within 30 days.
As a mortgage broker, we shop your scenario across 50+ wholesale lenders to find the best pricing. Unlike retail banks that only offer their own rates, we show you side-by-side comparisons with identical terms. No junk fees or hidden charges—just transparent pricing.
You work directly with a Senior Loan Officer (15+ years average experience) from application through closing—not a call center. We have local San Mateo County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Belmont typically run 2-4% of the purchase price. On a $500,000 home, expect $10,000-$20,000 covering appraisal, title insurance, escrow fees, and prepaids. FHA allows sellers to contribute up to 6% toward your closing costs.
Pre-approval typically takes 24-72 hours. Full underwriting approval takes 14-21 days. We work with lenders offering express underwriting for strong borrowers who need faster closings.
You have several low down payment options in Belmont: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Belmont buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Belmont. We review your denial letter, identify the specific issues (credit, DTI, income documentation), and match you with lenders who have more flexible guidelines. Common solutions include FHA loans for credit flexibility, alternative documentation, or co-borrower structures.
As a mortgage broker, we shop your scenario across 50+ wholesale lenders to find the best pricing. Unlike retail banks that only offer their own rates, we show you side-by-side comparisons with identical terms. No junk fees or hidden charges—just transparent pricing.
You work directly with a Senior Loan Officer (15+ years average experience) from application through closing—not a call center. We have local San Mateo County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Belmont typically run 2-4% of the purchase price. On a $500,000 home, expect $10,000-$20,000 covering appraisal, title insurance, escrow fees, and prepaids. FHA allows sellers to contribute up to 6% toward your closing costs.
Standard documents needed: pay stubs (last 30 days), W-2s (past 2 years), tax returns (past 2 years), bank statements (past 2 months), and photo ID. Self-employed borrowers need business tax returns and P&L statements. We'll provide a complete checklist for your situation.
Typical Belmont closing timeline: 30-45 days from accepted offer. VA/FHA loans may take slightly longer. Cash buyers close in 7-14 days. We work to meet your timeline and coordinate with all parties to close on schedule.
Credit requirements by loan type: FHA accepts 580+ (or 500 with 10% down), conventional starts at 620, VA at 620+. Our zero-down grant program works with 640+. Higher scores (720+) get better rates, but we work with borrowers across the credit spectrum.
2026 San Mateo County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Belmont properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Belmont buyers. We also offer our 6-Month Forgivable Grant (covers 3-3.5% down, forgiven after 6 months), CalHFA programs, and local first-time buyer assistance. Unlike CalHFA's 5-year requirements, our programs have no income limits and no first-time buyer requirement.
Yes! Zero-down options for Belmont buyers include: VA loans (eligible veterans), USDA loans (eligible rural areas), and our 6-Month Forgivable Grant Program combined with seller concessions for closing costs. Many Belmont families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Belmont. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in San Mateo County, and structure your purchase to minimize upfront costs.
You still have options in Belmont. FHA loans accept credit scores as low as 580 (or 500 with 10% down). We also offer credit improvement strategies and can connect you with rapid rescoring services to boost your score before applying. Many buyers improve 20-50 points within 30 days.
For Belmont's $500,000 median price: FHA is better for credit scores under 680 or down payments under 5%—it's more forgiving on DTI ratios too. Conventional is better with 5%+ down and 700+ credit (lower PMI costs). We compare both options for your specific situation.
The FHA loan limit in Belmont is $1,254,000 for 2026. However, with the median home price at $2.3M, most properties in Belmont exceed FHA limits and require jumbo financing instead. FHA loans are rarely used in this luxury market.
Yes, you'll almost certainly need a jumbo loan in Belmont since the median home price is $2.3M, well above the $1.25M conforming loan limit. Most buyers here use jumbo financing, and properties above $3M may require super. jumbo loans with specialized underwriting.
San Mateo County's 2026 conforming loan limit is $1,254,000, matching the FHA and VA limits. Given that Belmont's median home price is $2.3M, most buyers here exceed these limits and need jumbo loan products to finance their purchases.
Yes, VA loans are available in Belmont with a limit of $1,254,000, but they won't cover most homes here since the median price is $2.3M. Eligible veterans typically need a VA jumbo loan or a substantial down payment to bridge the gap between the VA limit and the purchase price.
Our No Money Down program offers $0 down payment for qualified buyers. However, given Belmont's luxury market with homes typically $2M to $3M, most buyers here don't qualify for traditional DPA programs like CalHFA, which have income limits well below the area's $185,944 median income. Affluent professionals and tech executives in this market typically use conventional or jumbo financing with standard down payments.
For Belmont's luxury market, you'll typically need 20% down to avoid PMI on jumbo loans, which means $460,000 on a median. priced $2.3M home. Some jumbo lenders offer 10. 15% down options, though you'll face higher rates and stricter requirements. Super. jumbo loans above $3M often require 25. 30% down.
Jumbo loans in Belmont typically require a minimum credit score of 680. 700, though most lenders prefer 720+ for the best rates on luxury properties. Given the $2M. $3M price range, you'll get significantly better terms with scores above 740, and super. jumbo loans often require 760 or higher.
Choose a lender experienced with jumbo financing in San Mateo County's luxury market who understands complex income documentation like stock compensation and RSUs common among tech professionals. Look for competitive jumbo rates, strong pre. approval letters that sellers respect in Belmont's competitive market, and a track record of closing high. value transactions smoothly.
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