Mortgage Broker in Walnut Creek, CA — Home Loans for Purchase and Refinance

If you are buying a home or refinancing in Walnut Creek, Lendia can help. Lendia, Inc. is a licensed California mortgage broker, not a bank. Instead of offering a single lender’s products, we compare options from the wholesale lenders we work with for FHA, VA, conventional, jumbo and non-QM loans, then walk you through the choices that fit your situation. Walnut Creek is in Contra Costa County, and we arrange loans for properties throughout the county.

Buying or Refinancing in Walnut Creek

Walnut Creek is a Contra Costa County city in the East Bay, east of the Berkeley hills and near Mount Diablo. It has a downtown with shops and restaurants, a BART station that connects residents to San Francisco and Oakland, and a mix of neighborhoods ranging from older ranch homes to hillside properties with views. Condominiums and townhomes are also common, including the Rossmoor age-restricted community for older adults.

Contra Costa is a higher-cost county, so higher-balance and jumbo financing can come up, particularly for single-family homes in the hills and established neighborhoods. Some residents commute by train or car to jobs elsewhere in the Bay Area, and household income may include salary, bonuses, and stock compensation. Rossmoor and other HOA communities require review of association documents, and age-restricted rules add an extra layer. Owners of older homes often consider refinancing or remodeling. We explain how each factor affects approval and help you structure a loan that suits your timeline.

Common Loan Situations in Walnut Creek

• Rossmoor and age-restricted living. Association approvals, resale rules, and age limits all play a part, so we help line up paperwork early.
• Bay Area commuters. Households with RSUs, bonuses, or commission pay need clear documentation to qualify cleanly.
• Hillside and higher-balance homes. Larger loans carry tighter credit and reserve expectations, which we outline before you make offers.

Contra Costa County Loan Limits for 2026

The 2026 conforming loan limit for a one-unit home in Contra Costa County is $1,249,125. Contra Costa County is a designated high-cost area, so its limit sits at the national ceiling for 2026. Conventional loans above that amount are jumbo loans, which follow different guidelines. VA loans work differently: with full entitlement there is no VA-set loan limit, and the county limit mainly matters for borrowers with reduced or remaining entitlement. You can look up the limit for a specific ZIP code on our California loan limits page.

Home Loan Programs Available in Walnut Creek

• Conventional loans — for buyers and homeowners with solid credit; down payment options start as low as 3% for eligible buyers.
• FHA loans — government-insured loans with down payments as low as 3.5% for qualified borrowers and more flexible credit guidelines.
• VA loans — up to 100% financing for eligible veterans, active-duty service members and some surviving spouses.
• Jumbo loans — for conventional loan amounts above the Contra Costa County limit of $1,249,125.
• Non-QM and bank statement loans — alternative documentation for self-employed borrowers, investors and other non-traditional income.
• Refinancing — rate-and-term and cash-out options for current Walnut Creek homeowners.

How Working With Lendia Goes

1. Start with your goals. Tell us whether you are buying, refinancing or taking cash out, and what monthly payment feels comfortable. The affordability guide shows how lenders look at your income and debts.
2. Get preapproved. We review your income, assets and credit, then explain which programs fit. See what to expect in our preapproval guide.
3. Compare options. Because we are a broker, we can compare programs from the lenders we work with rather than quoting one product.
4. Close with clear communication. We keep you updated on appraisal, underwriting and closing steps so there are no surprises.

Common Questions From Walnut Creek Borrowers

What is the loan limit in Contra Costa County?

For 2026, the one-unit conforming limit in Contra Costa County is $1,249,125. Conventional loan amounts above it are jumbo loans, while VA loans with full entitlement have no VA-set limit. Limits are higher for two- to four-unit properties.

Can I buy in Walnut Creek with less than 20% down?

Yes, depending on the program. Conventional loans can go as low as 3% down for eligible buyers, FHA loans as low as 3.5% down for qualified borrowers, and VA loans offer up to 100% financing for eligible borrowers. Lower down payments usually mean mortgage insurance on conventional and FHA loans. Our down payment guide explains the tradeoffs.

Is Lendia a bank or a broker?

Lendia is a mortgage broker, which means we arrange your loan with a lender rather than lending our own money. Lendia, Inc. is licensed in California only. You can verify our license on the NMLS Consumer Access website using NMLS #295073.

Ready to talk about your Walnut Creek purchase or refinance? Request a rate quote or call (949) 333-4636.

Lendia, Inc. | 1907 Millwood St, Santa Ana, CA 92705 | NMLS #295073 | Licensed by the California DRE #01877189