Providing direct residential financing across Oakland, from historic Craftsman homes in Rockridge and Temescal to hillside view estates in Montclair.
Serving Rockridge, Montclair, Grand Lake, Temescal, Adams Point, Dimond District, and Uptown.
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 Oakland, California.
Yes. We provide conventional and FHA multi-unit financing, allowing projected rental income to assist with loan qualification.
Yes. We offer competitive jumbo mortgages with flexible terms for luxury residences in the Oakland Hills.
Yes. Oakland homeowners can tap accumulated equity through cash-out refinancing or a standalone HELOC to fund foundation stabilization, seismic retrofitting, or ADU construction.
Explore conforming limits, property tax context, and all programs available across 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.