Contra Costa County
Mortgage Broker in Walnut Creek, CA
Wholesale mortgage broker for Walnut Creek, Lafayette, Orinda, Pleasant Hill and the rest of the East Bay. One application, 30+ lenders, a loan officer who answers the phone.
Financing in Walnut Creek
Walnut Creek mixes downtown condos (some non-warrantable), established single-family neighborhoods and a large population of retirees and downsizers. First-time buyers compete for condos and townhomes, while investors target rentals near BART, which makes conventional, FHA, non-warrantable condo and DSCR programs the everyday tools in this market.
Walnut Creek is fifteen minutes north of our San Ramon office via I-680. SiFi Lending is the lending brand of Simonich Financial, Inc. (NMLS #2563307), founded by Scott Simonich, who built and sold Bay Area mortgage banks over three decades before opening SiFi. Because we broker rather than lend, we price every Walnut Creek scenario across our wholesale panel and place it with the lender whose guidelines and pricing fit, whether that is a jumbo purchase, a self-employed refinance or an investor loan on a rental.
Programs Walnut Creek borrowers use most
- First-time homebuyer programs with low down payments
- Non-warrantable condo financing
- DSCR loans for rentals near BART
- Refinance and cash-out options
- Reverse mortgages for downsizing homeowners
Loan options
Residential Purchase
Traditional and non-traditional home purchase financing. From first-time buyers to luxury estates, we offer competitive rates and flexible qualifying.
DSCR
Debt Service Coverage Ratio loans for real estate investors. Qualify based on property cash flow, not personal income. Ideal for rental portfolios.
HELOCs
Home Equity Lines of Credit to unlock your property's value. Flexible draw periods, competitive rates, and quick access to funds.
Bank Statement
Qualify using 12-24 months of bank statements instead of tax returns. Perfect for self-employed borrowers and business owners.
Refinance
Rate-and-term or cash-out refinancing. Lower your payment, shorten your term, or access equity. Conventional, FHA, VA, and non-QM options.
Fix & Flip
Short-term financing for property investors. Fast closings, interest-only payments, and up to 90% LTV. Fund your next renovation project.
Walnut Creek mortgage FAQs
Do I need to come to your office to get a loan in Walnut Creek?
No. Walnut Creek is fifteen minutes north of our San Ramon office via I-680. Most clients complete the entire process online and by phone, and we meet in person whenever it helps.
What loan programs are most common in Walnut Creek?
First-time homebuyer programs with low down payments, Non-warrantable condo financing, DSCR loans for rentals near BART, Refinance and cash-out options, Reverse mortgages for downsizing homeowners. We price each scenario across 30+ wholesale lenders and show you the options side by side.
Is SiFi Lending a bank or a broker?
A broker. Simonich Financial, Inc. dba SiFi Lending (NMLS 2563307) arranges loans with wholesale lenders rather than lending its own money, which is what lets us compare pricing and guidelines instead of selling one product.
Do you finance rental properties in Walnut Creek?
Yes. DSCR loans qualify on the property's rent rather than your income, allow LLC vesting and have no cap on financed properties.
Which states are you licensed in?
California, Arizona, Colorado, Florida and Texas.
Also serving: San Ramon, Danville
Simonich Financial, Inc. dba SiFi Lending, NMLS #2563307. 3130 Crow Canyon Place, Suite 415, San Ramon, CA 94583. Licensed in AZ, CA, CO, FL, TX. Programs and terms vary by lender and are subject to credit approval. This is not a commitment to lend. Equal Housing Opportunity.