Concord's first-time buyer resources, explained by someone who actually uses them - plus refinance and move-up strategy for current owners.
Concord runs periodic first-time homebuyer workshops and offers limited down payment assistance through BAAHA - and demand always outstrips the funding. The buyers who win are the ones who show up already pre-approved with their program stack mapped out. That's what I do: before you ever tour a home, we'll know exactly which programs you qualify for - city, county, CalHFA, WISH, and lender grants - and in what order to use them.
Already own in Concord? With the equity most Concord owners are sitting on, buy-before-you-sell moves and cash-out strategies for ADUs or debt consolidation are very doable. I'll run the numbers with you so the decision is clear.
Enter your income and debts and see your estimated approval amount - with real DTI rules, taxes and mortgage insurance built in.
Every real program serving Contra Costa County - CalHFA, WISH, AHOP, Smart Start and more - and how they stack.
First-time buyer grant program toward your down payment for buyers under county income limits.
15% down with no monthly mortgage insurance for qualifying buyers.
Unlock your equity to buy your next home first - no double move, no contingent offer.
Business owners: qualify with 12-24 months of deposits instead of tax returns.
Contractors and gig workers: qualify on 1099 income without full self-employment docs.