Mortgage broker serving Colma, 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 Colma buyers, we match your unique situation to the right program.
Colma's competitive market demands strong pre-approval and flexible loan options.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Colma 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 Colma home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Colma starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Colma 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 Colma 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 Colma 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 Colma home equity |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Most Colma homes qualify for conforming loans under $1.25M. Best rates with 3-20% down.
Veterans buy in Colma with nothing down. VA loans up to $1.25M with no mortgage insurance.
FHA loans popular for Colma first-timers. 3.5% down, 580 credit minimum.
Higher-end Colma properties may exceed $1.25M. Jumbo financing available when needed.
Bank statement loans work for Colma's self-employed buyers. 12-24 months of deposits qualify you.
CalHFA MyHome provides up to 3.5% down payment assistance for Colma buyers.
Bridge loans help Colma buyers compete. Make non-contingent offers while selling current home.
Colma investment properties in LLC. Entity financing available for investors.
Most Colma mortgages qualify for conforming refinance. Lower your rate under the limit.
Colma homeowners tap equity with cash-out refinance. Consolidate debt or fund renovations.
Veterans in Colma refinance with VA IRRRL. No appraisal, no income verification.
Colma HELOC options for home equity access. Credit line with variable rate draw period.
Colma FHA borrowers can streamline refinance. No income verification or appraisal required.
Home equity loan option for Colma. Fixed payments unlike variable HELOC.
Colma rental investors use DSCR loans. Property income determines qualification, not W-2s.
Renovation investors in Colma use fix-and-flip financing. Purchase plus rehab in one loan.
Colma apartment financing available. Multifamily loans for 5+ unit buildings.
Commercial hard money in Colma. 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 Colma buyers with qualifying income.
CalHFA MyHome provides up to 3.5% down payment assistance for Colma buyers.
Local Colma DPA programs supplement state assistance. City grants reduce out-of-pocket costs.
Colma buyers check Elite grant eligibility. Grant funds reduce out-of-pocket costs.
Gift of equity option for Colma family purchases. Parents selling to children at discount.
Colma 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
Colma sits in northern San Mateo County, basically wedged between Daly City and South San Francisco. Population is only 1,376, making it California's smallest incorporated town, but don't let that fool you - median household income is $123,864 and median home price is $1.015M. The homeownership rate is 52.9%, which is actually pretty decent for the Bay Area where most people rent. Here's the thing: you're paying Bay Area prices, but you get BART access, shopping at your doorstep, and a 19-minute commute to San Francisco, which matters when you're justifying a seven-figure mortgage.
If you've got kids, you'll be looking at Jefferson Elementary with an 8 rating, Garden Village Elementary at 7, or Holy Angels Elementary also at 7. These aren't the 9s and 10s you see in Palo Alto or Los Altos, but they're solid schools in a town where your kids can walk or bike safely. The real advantage is the small-town feel while being minutes from everything in the Bay Area. When you're dropping a million bucks on a house, you want to know your kids aren't just a number in an overcrowded district. Colma delivers that intimacy, and it shows in resale values - buyers with young families appreciate the quiet streets and the fact that everyone knows each other.
Cemetery District runs $950K-$1.2M, and yes, you're living near memorial parks, but that means guaranteed open space and zero chance of noisy development next door. These are mostly older single-family homes on decent lots, and conventional loans work fine if you can manage the 20% down. Commercial District sits at $900K-$1.1M, right near Serramonte Center and all the big-box stores - walkability is the selling point here, and you'll see more condos and townhomes where FHA loans can work for first-timers who've saved up in the tech sector. Hillside is the premium zone at $1.1M-$1.3M, newer construction with Bay Area views, and you're looking at jumbo loans for most properties up there. The truth is, all three areas give you BART access and that sub-20-minute commute to SF, so your choice comes down to whether you want space, walkability, or views.
Colma BART Station is the game-changer that justifies the price tag. You're 19 minutes to San Francisco, 27 to Oakland, 34 to Palo Alto, 51 to San Jose. That means you can work anywhere in the Bay Area without the soul-crushing commute that forces people into rentals closer to the office. I-280 and US-101 are both minutes away when you need to drive. If you're a dual-income household with jobs in different cities, Colma's location lets you both get to work in under 40 minutes, which is rare in the Bay Area. That flexibility translates directly into higher property values and stronger resale potential.
Look, Colma is famous for its cemeteries - Cypress Lawn, Holy Cross, Hills of Eternity, Woodlawn - and they're actually major employers here. But you've also got Home Depot, Costco, Target, and BART providing steady jobs. Most homebuyers in Colma don't work in Colma though. They work in San Francisco's Financial District, or tech campuses in South San Francisco and San Mateo, or down in Silicon Valley. The job mix in town itself is service, retail, and cemetery operations, but the real economic story is that you can live here and commute anywhere in the Bay Area without losing your mind. That's what you're paying for with a million-dollar mortgage - location and access to the entire region's job market.
Common questions from Colma 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 Colma 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 Colma: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Colma buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Colma 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 Colma 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 Colma 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 Colma properties fall within conforming limits, maximizing your financing options.
For Colma'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 Colma. 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 Colma. 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 Colma. 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 Colma 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 Colma: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Colma buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Colma. 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 Colma 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 Colma 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 Colma properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Colma 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 Colma 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 Colma families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Colma. 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 Colma. 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 Colma'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 Colma is $1,250,000 for 2025, which covers most homes in this San Mateo County community. With median home prices around $1M, FHA loans are a solid option if you're looking to put down as little as 3.5%. This higher limit reflects the Bay Area's elevated housing costs and makes FHA financing accessible for many Colma properties.
Most homes in Colma don't require a jumbo loan since the conforming limit is $1,250,000 and the median price is around $1M. You'll only need jumbo financing if you're purchasing above $1.25M, which represents the higher end of Colma's market. For the majority of buyers here, conventional conforming loans offer the best rates and terms.
For 2026, San Mateo County loan limits are $1,250,000 for conforming, FHA, and VA loans. These limits apply throughout the county, including Colma, and are reviewed annually based on home price trends. The high limits reflect the Bay Area's expensive housing market and give buyers more financing flexibility.
Yes, you can absolutely use a VA loan in Colma with a loan limit of $1,250,000 and no down payment required for eligible veterans. This limit covers most homes in Colma's market, where the median price is around $1M. VA loans offer competitive rates and don't require private mortgage insurance, making them an excellent option for qualifying service members and veterans.
Our No Money Down program offers $0 down payment for qualified buyers in Colma, making homeownership more accessible in this upper. middle market. CalHFA programs are also available, providing down payment and closing cost assistance for first. time and repeat buyers throughout San Mateo County. With median home prices around $1M, these programs can help bridge the gap for established professionals looking to purchase in Colma.
Down payments in Colma typically range from 3% to 20% depending on your loan type, which means $30,000 to $200,000 on a $1M home. Conventional loans allow as little as 3% down, FHA requires 3.5%, and VA or USDA loans may offer $0 down for eligible buyers. With homes in the $900K to $1.25M range, many buyers in Colma put down 10. 20% to secure better rates and avoid mortgage insurance.
Most lenders require a minimum credit score of 620 for conventional loans in Colma, though FHA loans may accept scores as low as 580 with 3.5% down. To compete effectively in this upper. middle market where homes average $1M, a score of 680 or higher will help you secure better rates and terms. If you're considering a jumbo loan for properties above $1.25M, you'll typically need a score of 700 or higher.
Look for a lender experienced with Colma's upper. middle market who understands San Mateo County's $1.25M loan limits and can handle both conforming and jumbo loans. Compare rates, fees, and closing timelines from multiple lenders, and ask about their experience with first. time jumbo borrowers since many Colma buyers fit this profile. A responsive local lender who can pre. approve you quickly gives you an edge in this competitive market where homes typically sell between $900K and $1.25M.
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