Connecting East Bay homebuyers and property owners across Alameda County with competitive conventional, jumbo, and government-backed residential loan options.
Serving Oakland, Fremont, Berkeley, Hayward, Alameda, Pleasanton, Livermore, Dublin, San Leandro, and Union City.
Statutory Verification: East Bay designated high-cost area at the maximum statutory conforming and FHA ceiling ($1,249,125). (Source: 2026 FHFA Conforming & HUD FHA limits) Federal baseline conforming limit is $832,750; maximum high-cost ceiling is $1,249,125. VA financing provides 0% down with full entitlement without statutory county loan caps.
Explore primary purchase, refinancing, and equity loan programs with direct underwriting support.
Competitive 30-year and 15-year fixed-rate financing for purchase and refinancing throughout California.
Government-backed financing featuring flexible credit criteria and low 3.5% down payment options.
Zero down payment mortgage options and no monthly PMI for California active-duty military and eligible veterans.
Financing for California luxury and high-cost properties exceeding baseline FHFA conforming limits.
Rate-and-term and cash-out refinancing options to lower monthly payments or access property equity.
Access accumulated home equity for renovations, investments, or liquidity without altering your primary rate.
Dedicated guidance, down payment education, and streamlined pre-approvals for new California homebuyers.
Model estimated monthly principal, interest, taxes, and insurance payments for California properties.
Common home financing questions for borrowers in Alameda County, California.
Yes. We finance residential properties across Oakland, Berkeley, Fremont, and the Tri-Valley with conventional, jumbo, FHA, VA, and equity loan programs.
Alameda County is recognized as a high-cost area by the FHFA, allowing qualified buyers to obtain high-balance conforming conventional mortgages up to the county maximum before needing jumbo financing.
Yes. Stand-alone second-lien HELOCs allow Alameda County homeowners to draw on home equity for renovations or personal investments while preserving their existing first mortgage rate.
Yes. Eligible buyers can access FHA financing with a 3.5% down payment up to the local FHA lending ceiling.
LoanPlace provides localized mortgage originations, jumbo financing, and refinancing throughout Alameda County.
Get pre-approved online or speak directly with our Beverly Hills lending team. Transparent rates, zero origination surprises, and direct California loan officers.