New-construction know-how, first-time buyer programs, and honest answers for Oakley homebuyers - from a neighbor in East County.
Oakley is growing fast, and a lot of what's for sale is new construction - which comes with its own wrinkles: builder lender incentives (worth comparing, not automatically taking), Mello-Roos and HOA costs that change your real monthly payment, and solar on nearly every roof. I help Oakley buyers see the true payment before they fall in love with a model home.
First-time buyer? Oakley doesn't have its own city program, but you still have county, state and lender options - CalHFA, the WISH matching grant, and our Smart Start grant. Let's find out what you qualify for before you start shopping.
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.