Mortgage broker serving Pittsburg, 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 Pittsburg buyers, we match your unique situation to the right program.
Pittsburg provides attainable homeownership, but buyers face specific financing challenges.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Pittsburg 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 Pittsburg home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Pittsburg starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Pittsburg 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 Pittsburg 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 Pittsburg homebuyers. Compare options and find your best fit.
| Loan Type | Down Payment | Credit Score | Best For |
|---|---|---|---|
| No Down Payment Program Featured | $0 (3.5% grant) | 580+ | Any buyer - grant covers FHA or Conventional down payment, forgiven after 6 payments |
| VA | $0 | No minimum | Veterans, active military, surviving spouses |
| Conventional | 3-20% | 620+ | Good credit, stable income. Max: $1,249,125 |
| FHA | 3.5% minimum | 580+ | First-time buyers with limited savings |
| Down Payment Assistance | $0 (grant covers 3-3.5%) | 640+ | First-time buyers needing down payment help |
| Bank Statement | 10-20% | 660+ | Self-employed buyers who write off business expenses |
| DSCR | 20-25% | 660+ | Rental income properties, real estate investors |
Questions? Call (510) 589-4096 or email info@agoodlender.com
FHA is the go-to for Pittsburg buyers with limited savings. 3.5% down, flexible credit.
Military families get zero down in Pittsburg. VA loans are the best deal for eligible veterans.
Nearly all Pittsburg homes qualify for conforming loans. Best rates available for qualified buyers.
Pittsburg buyers should check CalHFA. Zero-interest second loans cover down payment.
Self-employed Pittsburg buyers can use bank statements. Deposits count when tax returns don't show full income.
USDA zero-down loans available for eligible Pittsburg areas. Check rural designation by address.
Bridge loans available for Pittsburg transitions. Finance new purchase before selling.
Entity purchase programs for Pittsburg. LLC financing for investment properties.
Pittsburg FHA homeowners use streamline refi. Fastest path to lower monthly payments.
Nearly all Pittsburg refinances qualify as conforming. Competitive rates with quick approval.
Pittsburg veteran homeowners use IRRRL. Easiest refinance option with no appraisal.
Cash-out refinance for Pittsburg homeowners with equity. Access funds for any purpose.
Pittsburg owners can add HELOC for equity access. Credit line for improvements or reserves.
Home equity loans for Pittsburg homeowners. Lump sum with fixed monthly payments.
Pittsburg rental properties qualify with DSCR. No personal income verification needed.
Pittsburg renovation deals use fix-and-flip loans. Quick funding for rehab opportunities.
Hard money options for Pittsburg commercial. Fast financing for competitive markets.
Apartment financing in Pittsburg. Multifamily loans for 5+ unit investment properties.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Pittsburg buyers with qualifying income.
Pittsburg buyers should check CalHFA. Zero-interest second loans cover down payment.
Local DPA strong in Pittsburg. City programs plus CalHFA can cover most down payment.
Grant programs for Pittsburg first-time buyers. Elite grants don't require repayment.
USDA zero-down loans available for eligible Pittsburg areas. Check rural designation by address.
Gift of equity for Pittsburg family transactions. Reduced price creates instant equity.
Non-occupant co-borrower helps Pittsburg buyers qualify. Add parent income to yours.
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
Pittsburg sits on the eastern edge of the Bay Area in Contra Costa County, right where the Sacramento-San Joaquin Delta meets suburbia. Population is 77,131, median household income $101,099. The homeownership rate here is 61%, and at $578K median home price, this is one of the last places in the Bay Area where a six-figure household income can actually qualify for a conventional loan on a single-family home without stretching to the breaking point. You're looking at roughly half what you'd pay in Walnut Creek or Concord for similar square footage.
If you've got kids, the school ratings matter for both your daily life and resale value down the line. Pittsburg High pulls a 6, Black Diamond High gets a 7, and Los Medanos College scores an 8 for those thinking about community college options. The scores aren't Pleasanton-level, but here's the thing - you're not paying Pleasanton prices either. That 61% homeownership rate tells you families are buying and staying, which creates neighborhood stability. When you're comparing monthly payments, the difference between a $578K home here and a $900K home in a district with 8-rated schools might be $2,000 a month, and that math matters when you're looking at what you can actually afford.
Where you buy in Pittsburg affects both your loan options and your lifestyle. Old Town Pittsburg runs $520K-$620K with Victorian-era homes and walkable streets - conventional loans work fine here, though some older properties might need renovation financing if you're buying a fixer. Marina District hits $580K-$720K for waterfront living with Delta views, and you'll see conventional loans dominate since most buyers here have solid income and down payments. Stoneman Elementary Area goes $550K-$650K, popular with families who want that tree-lined street vibe and good school access - FHA loans pop up here for first-timers stretching into the Bay Area market. Hillcrest Knolls runs $590K-$680K for newer construction on hillside lots with views, mostly conventional financing since the homes are newer and appraise cleanly.
The commute situation is what keeps Pittsburg affordable compared to the rest of the Bay. You're 35 minutes to Oakland, 48 to San Francisco, 66 to San Jose on CA-4. Real talk - that's doable but not easy, and it's the main reason a household making $100K can still buy here while getting priced out of Concord or Pleasant Hill. But here's where it gets interesting: you've got two BART stations, Pittsburg Center and Pittsburg/Bay Point, which changes the equation completely if you can train it to work. Tri Delta Transit fills in local gaps. If you're hybrid or remote, you're getting Bay Area wages without Bay Area housing costs eating your whole paycheck.
The local job market runs on a mix of education, manufacturing, and healthcare. Los Medanos College and Pittsburg Unified School District provide steady public sector jobs with benefits. USS-POSCO Industries and Dow Chemical bring industrial employment that pays well - those manufacturing jobs are part of why the median household income hits six figures here. Sutter Health adds healthcare stability, and the City of Pittsburg itself employs a decent number of people. Most buyers either work locally in these sectors or commute into Oakland, San Francisco, or the broader East Bay. The job diversity means you're not tied to one industry, which matters for long-term property values and your ability to keep making mortgage payments if you need to switch employers.
Common questions from Pittsburg 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 Pittsburg 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 Pittsburg: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Pittsburg buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Pittsburg 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 Pittsburg 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 Pittsburg families purchase with minimal upfront cash.
2026 Contra Costa County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Pittsburg properties fall within conforming limits, maximizing your financing options.
For Pittsburg'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 Pittsburg. 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 Pittsburg. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Contra Costa County, and structure your purchase to minimize upfront costs.
You still have options in Pittsburg. 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 Contra Costa County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Pittsburg 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 Pittsburg: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Pittsburg buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Pittsburg. 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 Contra Costa County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Pittsburg 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 Pittsburg 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 Contra Costa County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Pittsburg properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Pittsburg 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 Pittsburg 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 Pittsburg families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Pittsburg. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Contra Costa County, and structure your purchase to minimize upfront costs.
You still have options in Pittsburg. 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 Pittsburg'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 2026 FHA loan limit for Pittsburg (Contra Costa County) is $1.25M for a single-family home. This is a moderate-cost area limit. Properties above this amount require jumbo financing. FHA loans allow down payments as low as 3.5% for qualified borrowers.
With Pittsburg's median home price at $578K, many properties are near or above the $1.25M conforming limit. Higher-priced homes will require jumbo financing.
The 2026 Contra Costa County loan limits are: FHA: $1.25M, VA: $1.25M, Conventional: $1.25M. Any loan amount above $1.25M is considered a jumbo loan.
Yes! Veterans and active military can use VA loans in Pittsburg with $0 down payment. The 2026 VA loan limit for Contra Costa County is $1.25M. For properties above this amount, you can still use a VA loan but will need a down payment on the amount exceeding the limit.
We provide same-day pre-approvals for most loan programs. Full loan approval and closing typically takes 21-30 days for conventional and jumbo loans, and 30-45 days for FHA and VA loans.
Down payment requirements vary by loan type: Conventional: 3-20%, FHA: 3.5%, VA: $0 for eligible veterans, Jumbo: typically 10-20%. For Pittsburg's median price of $578K, typical down payments range from 5-10%.
Minimum credit scores vary by loan type: FHA: 580, Conventional: 620, VA: typically 620, Jumbo: 680-700+. Higher credit scores qualify for better interest rates.
Look for a lender with California experience, strong communication, competitive rates, and the ability to close on time. We've been serving California homebuyers for 40+ years with senior loan officers who specialize in complex scenarios.
Fill out the form below and we'll reach out to discuss your Pittsburg mortgage options.
We respond within 24 hours
