Mortgage broker serving Pacifica, 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 Pacifica buyers, we match your unique situation to the right program.
The Pacifica market requires jumbo loan expertise for homes above the $1.25M threshold.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Pacifica 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 Pacifica home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Pacifica starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Pacifica 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 Pacifica 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 Pacifica 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 Pacifica home equity |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Pacifica prices often exceed $1.25M. Jumbo loans cover properties above the conforming limit with 10-20% down.
Properties under $1.25M get conforming financing. Split between conforming and jumbo in Pacifica.
Self-employed? Pacifica bank statement loans use deposits, not tax returns. Common for entrepreneurs.
VA loans cover all Pacifica properties with $0 down. No PMI ever. Veterans' best option.
Asset depletion loans for Pacifica buyers with $500K+ liquid assets. Qualify on portfolio, not paycheck.
First-time Pacifica buyers can use FHA with 3.5% down. Limit is $1.25M.
Bridge financing for Pacifica moves. Purchase before your current home sells.
Entity financing for Pacifica investors. Purchase in LLC for asset protection.
Pacifica loans under $1.25M get conforming refinance rates. Best rates available.
Access Pacifica home equity with cash-out refi. Up to 80% LTV for improvements or investments.
HELOC for Pacifica homeowners with equity. Flexible access without full refinance.
VA IRRRL refinance for Pacifica veterans. Lower your rate without appraisal or income docs.
Pacifica home equity loans available. Fixed rate second mortgage for large expenses.
FHA streamline for Pacifica homeowners with FHA loans. Lower your rate without appraisal.
Investment properties in Pacifica can use DSCR financing. Rental income qualifies the loan.
Pacifica rehab projects use fix-and-flip loans. 12-18 month terms for buy-renovate-sell.
Multifamily loans for Pacifica apartment buildings. Commercial rates for larger properties.
Hard money financing for Pacifica commercial. Fast approval when banks are too slow.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Pacifica buyers with qualifying income.
CalHFA programs can help Pacifica first-time buyers. Check income limits for eligibility.
Pacifica family transfers use gift of equity. Below-market sale with equity as down payment.
Non-occupant co-borrower option in Pacifica. Family member income helps qualification.
Check Pacifica city programs for additional DPA. May stack with CalHFA for more help.
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
Pacifica sits right on the coast in San Mateo County, about 15 miles south of San Francisco. Population is 38,048, median household income $151,849. The homeownership rate here is 68.5%, which tells you people commit when they buy into this lifestyle. At $1.25M median home price, you're paying a serious premium for fog, surf, and that coastal vibe, but here's the thing: you're still 21 minutes from SF with ocean views, which is why this market stays tight even when rates climb.
If you've got kids, the school ratings matter for both your daily life and your resale value down the road. Linda Mar Elementary pulls an 8, Ingrid B. Lacy Middle a 7, Terra Nova High a 7, and Oceana High a 6. These aren't the stratospheric numbers you see in Palo Alto, but they're solid and stable. The truth is, families buying here are often prioritizing the outdoor lifestyle and beach access over chasing perfect test scores. That 68.5% ownership rate means your neighbors are invested long-term, not just renting for a year and bailing.
Where you buy in Pacifica directly affects what you'll qualify for and what your monthly payment looks like. Sharp Park runs $900K-$1.2M, mostly older homes near the golf course, and this is your entry point if you're stretching to get into the market with a conventional loan. Linda Mar sits at $1M-$1.5M, the surfing hub with a laid-back feel, and you'll see a mix of conventional and jumbo loans depending on your down payment. Vallemar runs $1.1M-$1.6M, inland with mid-century homes on tree-lined streets, solidly jumbo territory for most buyers. Rockaway Beach is the premium play at $1.4M-$2.2M, beachfront with direct ocean access, and you're looking at jumbo loans with 20-25% down to make the numbers work. Real talk: if you're not prepared for jumbo loan requirements, Sharp Park or the lower end of Linda Mar is where you'll land.
The commute to San Francisco is just 21 minutes on Highway 1, Oakland 29 minutes, Palo Alto 35 minutes. That proximity is exactly why Pacifica commands these prices while still being a small beach town. You're close enough to work in the city but far enough to feel like you've escaped when you get home. If you're working hybrid or full remote, you get the Bay Area salary with actual ocean access instead of just talking about it. The fog rolls in thick most mornings, which keeps it cooler and honestly keeps some buyers away, but that's part of why you can still find something under $1M in Sharp Park when similar coastal access elsewhere would run you double.
Most people living in Pacifica don't work in Pacifica. The local job base is small: Pacifica School District, City of Pacifica, Sharp Park Golf Course, and your typical retail like Safeway and CVS. The economy here is really about bedroom community dynamics, with residents commuting to SF, the Peninsula, or Silicon Valley for work. That $151,849 median household income tells you exactly what's happening: tech workers, finance people, healthcare professionals who want to surf before work. When you're underwriting your mortgage, lenders will look at your commute stability and whether your job supports that jumbo loan payment month after month.
Common questions from Pacifica 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 Pacifica 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 Pacifica: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Pacifica buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Pacifica 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 Pacifica 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 Pacifica 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 Pacifica properties fall within conforming limits, maximizing your financing options.
For Pacifica'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 Pacifica. 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 Pacifica. 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 Pacifica. 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 Pacifica 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 Pacifica: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Pacifica buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Pacifica. 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 Pacifica 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 Pacifica 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 Pacifica properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Pacifica 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 Pacifica 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 Pacifica families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Pacifica. 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 Pacifica. 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 Pacifica'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 Pacifica is $1,250,000 for 2026, which covers many homes in this coastal community. Since Pacifica's median home price is around $1.3M, FHA loans can work for lower. priced properties, though you'll need a jumbo loan for homes above this limit. FHA loans require just 3.5% down with a credit score of 580 or higher.
You'll need a jumbo loan for any Pacifica home priced above $1,250,000, which includes many properties in this premium coastal market. With typical home prices ranging from $1.25M to $2M, about half of Pacifica buyers use jumbo financing. Jumbo loans generally require 10. 20% down and stronger credit scores around 700+, but they offer competitive rates for well. qualified borrowers.
San Mateo County's 2026 conforming loan limit is $1,250,000 for single. family homes, matching the FHA and VA limits. This high. balance limit reflects the Bay Area's premium housing market. Any loan amount above $1,250,000 is considered a jumbo loan and follows different underwriting guidelines.
Yes, eligible veterans and service members can use VA loans in Pacifica with the 2026 loan limit of $1,250,000 and no down payment required. VA loans are excellent for qualifying buyers purchasing homes at or below this limit, offering competitive rates and no mortgage insurance. For Pacifica homes above $1,250,000, you'd need a VA jumbo loan with a down payment on the amount exceeding the limit.
Our No Money Down program offers $0 down payment for qualified buyers in Pacifica's premium market. CalHFA programs like MyHome Assistance provide up to 3.5% in down payment help, and San Mateo County's HEART program offers assistance for first. time buyers. Given Pacifica's higher price points, these programs work best for homes on the lower end of the market or for buyers with strong incomes who need help with upfront costs.
For Pacifica's median $1.3M home, you'll typically need $65,000 to $260,000 down depending on your loan type. Conventional loans usually require 5. 20% down ($65K. $260K), while FHA loans need just 3.5% ($45,500) if the home is under $1.25M. Jumbo loans for higher. priced properties typically require 10. 20% down, and qualified buyers may access our No Money Down program.
Most Pacifica buyers need a credit score of at least 620 for conventional loans, though 680. 700+ is more competitive in this premium market. FHA loans accept scores as low as 580, while jumbo loans for higher. priced homes typically require 700 or higher. Given that typical buyers are dual. income professionals, lenders expect solid credit profiles along with verified income and assets.
Choose a lender experienced with Pacifica's premium coastal market and high. balance loans, as local expertise matters when navigating $1M+ transactions. Compare rates across multiple lenders, but also evaluate their responsiveness and ability to close on time in competitive situations. Look for lenders who offer various loan products including jumbo options and can pre. approve you quickly, since Pacifica's market often requires strong, ready. to. go offers.
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