Mortgage broker serving Daly City, 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 Daly City buyers, we match your unique situation to the right program.
Daly City 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 Daly City 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 Daly City home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Daly City starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Daly City 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 Daly City 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 Daly City 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 Daly City home equity |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Most Daly City homes qualify for conforming loans under $1.25M. Best rates with 3-20% down.
Veterans buy in Daly City with nothing down. VA loans up to $1.25M with no mortgage insurance.
FHA loans popular for Daly City first-timers. 3.5% down, 580 credit minimum.
Higher-end Daly City properties may exceed $1.25M. Jumbo financing available when needed.
Bank statement loans work for Daly City's self-employed buyers. 12-24 months of deposits qualify you.
CalHFA MyHome provides up to 3.5% down payment assistance for Daly City buyers.
Bridge loans help Daly City buyers compete. Make non-contingent offers while selling current home.
Daly City investment properties in LLC. Entity financing available for investors.
Most Daly City mortgages qualify for conforming refinance. Lower your rate under the limit.
Daly City homeowners tap equity with cash-out refinance. Consolidate debt or fund renovations.
Veterans in Daly City refinance with VA IRRRL. No appraisal, no income verification.
Daly City HELOC options for home equity access. Credit line with variable rate draw period.
Daly City FHA borrowers can streamline refinance. No income verification or appraisal required.
Home equity loan option for Daly City. Fixed payments unlike variable HELOC.
Daly City rental investors use DSCR loans. Property income determines qualification, not W-2s.
Renovation investors in Daly City use fix-and-flip financing. Purchase plus rehab in one loan.
Daly City apartment financing available. Multifamily loans for 5+ unit buildings.
Commercial hard money in Daly City. 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 Daly City buyers with qualifying income.
CalHFA MyHome provides up to 3.5% down payment assistance for Daly City buyers.
Local Daly City DPA programs supplement state assistance. City grants reduce out-of-pocket costs.
Daly City buyers check Elite grant eligibility. Grant funds reduce out-of-pocket costs.
Gift of equity option for Daly City family purchases. Parents selling to children at discount.
Daly City 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
Daly City sits right on San Francisco's southern border, population 103,648, with a median household income of $114,910. The homeownership rate is 60.2%, and at $1.13M median home price, you're paying a premium for that SF proximity. But here's the thing: you get a real yard and actual square footage for about 30% less than comparable SF properties. For buyers who can swing the down payment, that 15-minute commute to downtown San Francisco means you're not sacrificing your career for housing that fits a family.
The schools here matter because families drive Daly City's real estate market. Susan B. Anthony Elementary pulls an 8 rating, Panorama Elementary a 7, Westmoor High a 7, Jefferson High a 6. Not Palo Alto numbers, but solid enough that families stay put once they buy. That stability shows up in resale values. When you're looking at a $1.1M mortgage, you want to know the neighborhood won't turn over every two years. The ownership rate above 60% means your neighbors are invested, and that school quality is part of why properties here hold value even when the broader market softens.
Where you buy in Daly City determines whether you need conventional, jumbo, or something creative. Westlake runs $900K-$1.3M, the entry point for families wanting single-family homes or newer condos near the shopping center. Most buyers here use conventional loans with 20% down if they can manage it, though some condos qualify for lower down payments. Serramonte sits at $1M-$1.4M, established homes near the mall and Highway 280, popular with move-up buyers who've built equity elsewhere in the Bay. St. Francis Heights goes $1.1M-$1.5M, quiet tree-lined streets that attract families willing to pay extra for that suburban feel. Top of the Hill is the luxury tier at $1.2M-$2M, view properties that need jumbo financing and often see all-cash competition from SF tech money. Your loan type and down payment capability really determine which neighborhood you can realistically target.
The commute situation is why Daly City commands these prices. You're 15 minutes to downtown San Francisco on a decent day, 24 minutes to Oakland, 32 to Palo Alto, 49 to San Jose. The BART station connects you to the entire Bay Area without driving, which matters when you're calculating your true cost of homeownership versus renting closer in. Real talk: that commute flexibility is baked into property values here. You can work in SF, your partner can work in the Peninsula, and you both get home in reasonable time. That's worth the premium over Vallejo or Antioch for most buyers who can afford it.
Seton Medical Center is the major employer, along with Kaiser Permanente providing healthcare stability. Jefferson Union High School District and City of Daly City add public sector jobs. Serramonte Center employs retail workers, but the real economic driver is proximity to Genentech and the South San Francisco biotech corridor. Most homebuyers here don't work in Daly City itself. They work in SF, the Peninsula, or South Bay and choose Daly City for the housing value relative to their job locations. That means the local economy stays stable even when one sector wobbles, because you've got a diversified workforce commuting in multiple directions.
Common questions from Daly City 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 Daly City 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 Daly City: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Daly City buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Daly City 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 Daly City 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 Daly City 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 Daly City properties fall within conforming limits, maximizing your financing options.
For Daly City'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 Daly City. 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 Daly City. 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 Daly City. 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 Daly City 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 Daly City: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Daly City buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Daly City. 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 Daly City 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 Daly City 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 Daly City properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Daly City 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 Daly City 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 Daly City families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Daly City. 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 Daly City. 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 Daly City'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 Daly City is $1,250,000 for 2025. This higher limit reflects San Mateo County's status as a high. cost area and covers most homes in Daly City's market, where the median price is around $1.1M. FHA loans require just 3.5% down with a credit score of 580 or higher.
Most buyers in Daly City won't need a jumbo loan since the conforming loan limit is $1,250,000 and the median home price is $1.1M. However, if you're purchasing a home above $1.25M, you'll need jumbo financing, which typically requires a larger down payment and stronger credit. About 15. 20% of Daly City properties fall into the jumbo range.
For 2025, San Mateo County's conforming loan limit is $1,250,000, with FHA and VA limits also at $1,250,000. The 2026 limits haven't been announced yet but are typically released in November 2025. These high. cost area limits allow most Daly City buyers to access conventional financing without going jumbo.
Yes, VA loans are available in Daly City with a loan limit of $1,250,000 and no down payment required for eligible veterans and service members. This covers the majority of homes in Daly City's market, making it an excellent option if you qualify. VA loans also don't require mortgage insurance, which can save you hundreds monthly.
Our No Money Down program offers $0 down payment for qualified buyers in Daly City. CalHFA programs provide down payment and closing cost assistance for first. time and repeat buyers, with options like the MyHome Assistance Program offering deferred. payment junior loans. San Mateo County also offers programs for moderate. income buyers, which can be especially helpful given the $1.1M median price point.
Down payment requirements in Daly City vary by loan type: conventional loans typically need 3. 5% ($33K. $55K on a $1.1M home), FHA requires 3.5% ($38.5K), and VA or USDA loans offer $0 down for eligible buyers. If you're putting down less than 20%, you'll pay mortgage insurance, but many established professionals in this market choose to put down 10. 15% to balance monthly costs with preserving savings.
Most lenders require a minimum credit score of 620 for conventional loans in Daly City, though 680+ will get you better rates on homes in this price range. FHA loans accept scores as low as 580 with 3.5% down, or 500 with 10% down. Given Daly City's $1.1M median price, aiming for a 700+ score will help you qualify more comfortably and secure competitive rates.
Look for a lender experienced with Daly City's upper. middle market who can handle loan amounts near $1M+ and explain your conventional versus jumbo options clearly. Compare rates, fees, and closing timelines from at least three lenders, and ask about their experience with San Mateo County properties. A local lender familiar with Daly City's competitive market can make the difference in getting your offer accepted.
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