Mortgage broker serving Burlingame, 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 Burlingame buyers, we match your unique situation to the right program.
Financing in Burlingame'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 Burlingame 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 Burlingame home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Burlingame starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Burlingame 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 Burlingame 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 Burlingame 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 Burlingame home equity |
Questions? Call (510) 589-4096 or email info@agoodlender.com
With Burlingame's $2.5M median, most buyers need jumbo loans above $1.25M. Rates now competitive with conforming.
Business owners in Burlingame qualify on bank deposits. Write-offs hurt tax returns but deposits tell the real story.
Wealthy Burlingame buyers use portfolio value instead of employment. Asset depletion works for retirees and investors.
Some Burlingame condos and smaller homes under $1.25M get conforming rates. Most properties need jumbo.
Burlingame veterans get zero down with no loan limit. Best benefit for luxury purchases.
Burlingame buyers use bridge loans to avoid contingent offers. Buy first, sell later.
LLC purchases for Burlingame investment properties. Buy in entity name for liability protection.
Pull equity from your Burlingame home. Cash-out refinance for investments, renovations, or debt payoff.
Conforming refi for Burlingame properties under the limit. Most will need jumbo refinancing.
Burlingame owners tap equity with HELOC. Draw funds as needed, pay interest only on balance.
Fixed home equity loans in Burlingame. Lump sum with predictable payments.
Burlingame veterans use VA IRRRL to lower rates. Streamlined process with minimal documentation.
No seasoning cash-out for Burlingame properties. Access equity right after closing.
DSCR loans for Burlingame investors. Qualify based on property cash flow, not personal income.
Fix-and-flip loans for Burlingame investors. Finance purchase plus renovation costs.
Burlingame apartment investors use multifamily loans. Commercial financing for 5+ units.
Burlingame 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 Burlingame buyers with qualifying income.
CalHFA down payment help available for Burlingame first-time buyers. Income limits may restrict use.
Gift of equity for Burlingame family sales. Equity counts as down payment in related transactions.
Burlingame 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
Burlingame sits on the Peninsula between San Francisco and San Jose, about 16 miles south of downtown SF. Population is 30,995, median household income $165,940. The homeownership rate here is 52.2%, which is actually low for a city this affluent - but that's because the $2.5M median home price creates a steep barrier to entry. If you're house hunting in Burlingame, you're looking at jumbo loan territory across the board, and you'll need substantial income documentation and reserves to qualify.
The schools here are a major reason families stretch their budgets to buy in Burlingame. Hoover Elementary pulls a 9 rating, Roosevelt and Lincoln both score 8s, and Burlingame Intermediate hits an 8 as well. These aren't just good scores - they're the kind of ratings that protect your property value even when the market softens. When you're putting down $500K or more and financing $2M+, school quality matters because it directly impacts your resale pool down the road. Families will pay a premium to get into these attendance zones, which means your home becomes more liquid when it's time to sell. The district stability here is rock solid, and that translates to predictable appreciation over your loan term.
Where you buy in Burlingame determines whether you're looking at a standard jumbo or a super jumbo loan product. Burlingame Hills runs $3.5M-$6M+, hillside estates with Bay views on larger lots - you're talking super jumbo financing here with 20-30% down requirements and pristine credit. San Mateo Park offers $2.2M-$4M, historic homes from the early 1900s with real architectural character under those tree-canopied streets. Downtown Burlingame gives you the most variety at $1.8M-$3.5M, mixing condos and townhomes with single-family options if you want walkability to Burlingame Avenue. San Mateo Heights is the relative value play at $2M-$3.2M, mid-century homes popular with families who want Burlingame schools without paying the absolute top of the market. Even the 'affordable' option here requires jumbo financing and a household income well into six figures to qualify comfortably.
The commute situation is one of Burlingame's biggest selling points and justifies the premium you'll pay. San Francisco is 28 minutes north, Palo Alto 26 minutes south, San Jose 44 minutes, Oakland 36 minutes. You're basically at the center of every major Bay Area employment hub, which means your job options stay flexible even if you change employers. The Burlingame train station gives you Caltrain access up and down the Peninsula, so you can ditch the car for work commutes if your office is near a station. When you're carrying a $15K-$20K monthly mortgage payment, that commute flexibility protects your investment because you won't need to sell and move if you switch jobs. The location alone adds liquidity to your property.
Burlingame's employment base is more diverse than you'd expect for a city this size. Mills-Peninsula Medical Center anchors healthcare jobs, Alaska Airlines maintains significant operations here after the Virgin America merger, and Peninsula Health Care District adds medical sector stability. The Burlingame School District and City of Burlingame provide public sector employment, though most residents here commute to higher-paying jobs in SF, Silicon Valley, or the broader Peninsula tech corridor. Here's the thing - the local economy matters less than regional access when you're buying at these price points. What matters is that $165,940 median household income, which tells you most buyers here are dual-income professional households or equity-rich move-up buyers who can handle jumbo loan underwriting requirements.
Common questions from Burlingame 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 Burlingame 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 Burlingame: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Burlingame buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Burlingame 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 Burlingame 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 Burlingame 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 Burlingame properties fall within conforming limits, maximizing your financing options.
For Burlingame'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 Burlingame. 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 Burlingame. 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 Burlingame. 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 Burlingame 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 Burlingame: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Burlingame buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Burlingame. 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 Burlingame 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 Burlingame 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 Burlingame properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Burlingame 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 Burlingame 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 Burlingame families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Burlingame. 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 Burlingame. 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 Burlingame'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 Burlingame is $1.25M for 2025. However, with median home prices around $2.5M in this luxury market, most buyers will need jumbo financing since FHA loans won't cover typical purchase prices. FHA loans are rarely used in Burlingame's high. end real estate market.
Yes, you'll almost certainly need a jumbo loan in Burlingame. With median home prices around $2.5M and most properties ranging from $2M to $3M, you'll be well above the $1.25M conforming loan limit. Many buyers in this luxury market work with jumbo loan specialists who understand high. balance financing.
The 2026 loan limits haven't been announced yet, but the current 2025 limits for San Mateo County are $1.25M for conforming, FHA, and VA loans. Given Burlingame's median home price of $2.5M, most buyers here require jumbo loans regardless of the conforming limit. Limits are typically announced in November for the following year.
Yes, VA loans are available in Burlingame with a loan limit of $1.25M with no down payment required. However, since most Burlingame homes cost $2M to $3M, you'd need a substantial down payment to cover the difference above the VA limit. Many eligible veterans in this market use VA jumbo loans that combine VA benefits with jumbo financing.
Our No Money Down program offers $0 down payment for qualified buyers. However, given Burlingame's luxury market with $2M to $3M homes, most buyers here don't typically qualify for or need traditional down payment assistance programs like CalHFA. Affluent professionals and tech executives in this area usually focus on optimizing their jumbo loan structure rather than seeking DPA.
For Burlingame's luxury market, you'll typically need 20% down to avoid PMI on a jumbo loan, which means $400K to $600K for homes priced $2M to $3M. Some jumbo lenders offer 10% to 15% down options, though you'll pay higher interest rates. Many tech professionals here use stock compensation or equity from previous homes for their down payment.
For jumbo loans in Burlingame's luxury market, you'll typically need a credit score of at least 700, with most lenders preferring 720 or higher for the best rates. Given the high loan amounts ($2M+), lenders scrutinize credit profiles carefully. Scores above 760 will get you the most competitive jumbo loan rates and terms.
In Burlingame's luxury market, you'll want a lender experienced with jumbo loans and complex financial profiles including stock compensation and multiple income sources. Look for lenders who can close quickly (important in competitive bidding), offer portfolio jumbo products, and understand the unique needs of high. net. worth tech professionals. Ask about their experience with loans above $2M in San Mateo County.
Fill out the form below and we'll reach out to discuss your Burlingame mortgage options.
We respond within 24 hours
