Waterfront financing done right - HOA, insurance and appraisal wrinkles handled before they become problems.
Discovery Bay is my backyard, and waterfront lending has quirks generic lenders miss: insurance costs that change your qualifying, HOA and levee considerations, appraisals with few true comps. I get ahead of all three in week one so your escrow doesn't blow up in week four.
Whether it's a primary move to the water, a move-up within Discovery Bay, or a second-home purchase, I'll structure it right the first time - including buy-before-you-sell if you need your current equity to do it.
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.