Mortgage broker serving Brisbane, 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 Brisbane buyers, we match your unique situation to the right program.
Brisbane buyers navigate properties near the $1.25M conforming limit, where loan structure impacts rates significantly.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Brisbane 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 Brisbane home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Brisbane starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Brisbane 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 Brisbane 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 Brisbane homebuyers. Compare options and find your best fit.
| Loan Type | Down Payment | Credit Score | Best For |
|---|---|---|---|
| Jumbo | 10-20% | 680+ | Homes above $1,249,125 |
| Bank Statement | 10-20% | 660+ | Self-employed, business owners, tech consultants |
| VA | $0 | No minimum | Veterans, active military (0% down on any price) |
| Asset Depletion | 10-20% | 680+ | Retirees, investors with $500K+ liquid assets |
| Conventional | 3-20% | 620+ | Good credit, flexible down payment. Up to $1,249,125 |
| 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 Brisbane home equity |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Most Brisbane homes qualify for conforming loans under $1.25M. Best rates with 3-20% down.
Veterans buy in Brisbane with nothing down. VA loans up to $1.25M with no mortgage insurance.
FHA loans popular for Brisbane first-timers. 3.5% down, 580 credit minimum.
Higher-end Brisbane properties may exceed $1.25M. Jumbo financing available when needed.
Bank statement loans work for Brisbane's self-employed buyers. 12-24 months of deposits qualify you.
CalHFA MyHome provides up to 3.5% down payment assistance for Brisbane buyers.
Bridge loans help Brisbane buyers compete. Make non-contingent offers while selling current home.
Brisbane investment properties in LLC. Entity financing available for investors.
Most Brisbane mortgages qualify for conforming refinance. Lower your rate under the limit.
Brisbane homeowners tap equity with cash-out refinance. Consolidate debt or fund renovations.
Veterans in Brisbane refinance with VA IRRRL. No appraisal, no income verification.
Brisbane HELOC options for home equity access. Credit line with variable rate draw period.
Brisbane FHA borrowers can streamline refinance. No income verification or appraisal required.
Home equity loan option for Brisbane. Fixed payments unlike variable HELOC.
Brisbane rental investors use DSCR loans. Property income determines qualification, not W-2s.
Renovation investors in Brisbane use fix-and-flip financing. Purchase plus rehab in one loan.
Brisbane apartment financing available. Multifamily loans for 5+ unit buildings.
Commercial hard money in Brisbane. Speed and flexibility for investment deals.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Brisbane buyers with qualifying income.
CalHFA MyHome provides up to 3.5% down payment assistance for Brisbane buyers.
Local Brisbane DPA programs supplement state assistance. City grants reduce out-of-pocket costs.
Brisbane buyers check Elite grant eligibility. Grant funds reduce out-of-pocket costs.
Gift of equity option for Brisbane family purchases. Parents selling to children at discount.
Brisbane buyers use non-occupant co-borrowers. Parents help children qualify for homes.
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
Brisbane is a tiny city of 4,756 tucked between San Francisco and South San Francisco in San Mateo County. Median household income hits $137,583, and the median home price sits at $1.2M. That's steep, but here's what you're paying for: an 18-minute commute to SF, small-town feel, and access to some of the best schools in the Bay Area without the chaos of a bigger city. The 66.7% homeownership rate tells you people buy here and stay. At this price point, you're looking at conventional or jumbo loans, and most buyers need solid six-figure incomes or significant down payments to make the numbers work.
Brisbane Elementary pulls an 8 rating, Lipman Middle and Parkside Intermediate both score 7s. Those are strong numbers for public schools, and they're a big reason families stretch their budgets to buy here instead of renting in SF proper. The school quality directly impacts your resale value down the line. When you're financing a $1.2M home, you want to know the fundamentals that protect your investment are solid. The small population means class sizes stay manageable, and parents tend to be highly involved. If you've got kids or plan to, these schools justify the mortgage payment compared to what you'd face in San Francisco Unified's lottery system.
Where you buy in Brisbane determines whether you need a jumbo loan or can squeak by with a conforming conventional. Southern Hills runs $1.1M-$1.4M on those hillside lots with bay views, and you're definitely in jumbo territory there. Sunshine Gardens hits $1M-$1.3M, popular with families who want that walkable small-town vibe, and depending on your down payment, you might stay under the conforming limit. Old County Road mixes commercial and residential, $950K-$1.2M, which puts it at the lower end for Brisbane but still requires serious income to qualify. Valley Vista is the newer stock, $1.2M-$1.5M, attracting tech workers and professionals who can handle jumbo financing and want modern construction. Real talk: there's no cheap entry point here, but the trade-off is location and schools.
The commute situation is what makes Brisbane's price tag make sense for a lot of buyers. You're 18 minutes to downtown San Francisco on a decent traffic day, 26 minutes to Oakland, 30 to Palo Alto, 48 to San Jose. That flexibility matters when you're deciding between Brisbane and cheaper options further out. Highway 101 runs right through town, and you've got Caltrain access nearby in South San Francisco. If both spouses work in different parts of the Bay, Brisbane sits in that sweet spot where neither commute is terrible. When you're paying $7K-$8K monthly on a mortgage, shaving 30-45 minutes off your daily drive compared to living in Tracy or Gilroy starts to feel worth it.
Brisbane punches above its weight for local employment given the tiny population. Recology San Francisco, Kinder Morgan, and Monster Cable have operations here, plus you've got major logistics players like UPS, FedEx Ground, and Amazon running distribution centers out of Crocker Industrial Park. That industrial base keeps the city's tax revenue healthy, which means services stay solid without crushing property taxes. Most residents who buy here work elsewhere in the Bay Area, but having local employers matters for the city's financial stability. When you're financing a seven-figure home, you want to know the municipality isn't going broke and can maintain infrastructure and schools.
Common questions from Brisbane 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 Brisbane 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 Brisbane: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Brisbane buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Brisbane 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 Brisbane 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 Brisbane 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 Brisbane properties fall within conforming limits, maximizing your financing options.
For Brisbane'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 Brisbane. 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 Brisbane. 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 Brisbane. 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 Brisbane 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 Brisbane: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Brisbane buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Brisbane. 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 Brisbane 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 Brisbane 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 Brisbane properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Brisbane 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 Brisbane 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 Brisbane families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Brisbane. 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 Brisbane. 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 Brisbane'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 Brisbane is $1,250,000 for 2025. This limit covers most homes in Brisbane, where the median price is around $1.2M, making FHA loans a viable option for many buyers in this San Mateo County community.
Most Brisbane homes don't require a jumbo loan since the conforming limit is $1,250,000 and the median price is $1.2M. However, if you're purchasing a home above $1.25M, you'll need jumbo financing. Many established professionals in Brisbane find they can stay within conforming limits with competitive rates.
For 2025, San Mateo County's conforming loan limit is $1,250,000, with FHA and VA limits matching at $1,250,000. These limits are typically announced in November for the following year, so 2026 limits aren't yet available but may adjust based on home price trends.
Yes, you can absolutely get a VA loan in Brisbane with a limit of $1,250,000. This covers most homes in the area and offers qualified veterans and service members the benefit of $0 down payment with no PMI, which is particularly valuable in this upper. middle market.
Our No Money Down program offers $0 down payment for qualified buyers in Brisbane. Additionally, CalHFA programs provide down payment and closing cost assistance for first. time and repeat buyers, which can be especially helpful given the $1.2M median home price in this San Mateo County community.
For Brisbane's median $1.2M home, you'll typically need 3% down ($36,000) for conventional financing or 3.5% ($42,000) for FHA. If you're a veteran, VA loans offer $0 down, and our No Money Down program may also be available. Putting down 20% ($240,000) eliminates PMI and strengthens your offer.
You can qualify for an FHA loan in Brisbane with a credit score as low as 580, though 620+ is preferred for conventional financing. Given Brisbane's upper. middle market and median income of $137,583, most buyers have scores of 680 or higher, which unlocks better rates and terms.
Choose a lender experienced with Brisbane's upper. middle market who understands San Mateo County's $1.25M loan limits and can handle both conforming and jumbo scenarios. Look for competitive rates, responsive communication, and expertise with programs like CalHFA or VA loans that fit your situation. Local knowledge matters when navigating homes in the $900K to $1.25M range.
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