San Francisco Bay Area
Contra Costa County Mortgage Lender
Save Financial, Inc. is a California-licensed mortgage brokerage serving all of Contra Costa County, including Concord, Richmond, Antioch, and San Ramon. The 2026 conforming loan limit in Contra Costa County is $1,209,750, the FHA limit is $1,209,750, and the current median home price is $895,000. With a population of 1.16 million concentrated in Martinez and surrounding cities, Contra Costa County offers everything from conventional, FHA, VA, and USDA loans to jumbo, DSCR, HELOC, and cash-out refinance options. Save Financial closes loans in Contra Costa County in an efficiently from.
About Contra Costa County
Contra Costa County is located in California's San Francisco Bay Area region. The county seat is Martinez, and the population is approximately 1.16 million. East Bay county with mix of luxury (Lamorinda, San Ramon) and entry-level (Antioch, Pittsburg) markets.
Save Financial originates mortgages for buyers and homeowners across every community in Contra Costa County. We are licensed by the California Department of Real Estate (DRE #01875766), and registered with NMLS (#377740). We close Contra Costa County loans efficiently when documentation is complete.
Cities and communities we serve in Contra Costa County
…and every other community throughout Contra Costa County.
Recommended for Contra Costa County
Loan programs that fit this market
Conventional loans
Many Contra Costa County homes fit within the $1,209,750 conforming limit with 5-20% down.
Learn more →Jumbo loans
Properties above $1,209,750 use jumbo financing — Save Financial typically shops wholesale rates for you
Learn more →Cash-out refinance
Pull tax-free equity from appreciated property values.
Learn more →Contra Costa County loan limits and financing facts
| 2026 conforming loan limit (1-unit) | $1,209,750 |
|---|---|
| 2026 FHA loan limit (1-unit) | $1,209,750 |
| Median home price | $895,000 |
| Population | 1.16 million |
| County seat | Martinez |
| Region | San Francisco Bay Area |
| Statewide service | All 58 counties |
| Loans funded statewide | rated 4.9 stars across California families |
Real-world examples
Two example mortgage scenarios in Contra Costa County
Here's what real Save Financial transactions look like in Contra Costa County at today's rates. Numbers are illustrative; your actual quote depends on credit, income, and property specifics.
Scenario 1: First-time buyer in Contra Costa County
Buyer profile: A single buyer earning $135,000/year purchasing a $895,000 home in Concord
- Purchase price: $895,000 (median for Contra Costa County)
- Down payment: 10% = $89,500 (using savings + family gift)
- Loan amount: $805,500 (conventional, conforming)
- Interest rate: 6.45% APR (30-year fixed)
- Principal & interest: $5,066/month
- Property tax: $820/month
- Insurance: $150/month
- PMI (drops at 78% LTV in ~7 years): $369/month
- Total monthly payment: ~$6,405
- DTI: 56% of $135K/year — qualifies comfortably under conforming guidelines
Outcome: Save Financial layers a CalHFA MyHome second mortgage to cover most of the down payment, reducing the buyer's cash to close from $111,875 to roughly $22,375 in closing costs only.
Scenario 2: Cash-out refinance for a Contra Costa County homeowner
Buyer profile: A homeowner who bought in Concord 7 years ago wanting to consolidate high-interest debt
- Current home value: $895,000
- Existing first mortgage: $280,000 at 4.50%
- New cash-out refinance loan: $716,000 (80% LTV maximum)
- Cash to borrower at closing: ~$223,750 (used to pay off $35K of credit cards at 22% APR and $18K auto loan)
- New rate: 6.65% APR (30-year fixed)
- New monthly payment: ~$4,589/month (P&I)
- Net monthly savings: ~$680/month after paying off the high-interest debt
Outcome: Save Financial closes this scenario efficiently. The borrower trades 22% credit-card debt for 6.65% tax-deductible mortgage debt.
Frequently asked questions about Contra Costa County mortgages
What is the conforming loan limit in Contra Costa County for 2026?
The 2026 conforming loan limit in Contra Costa County is $1,209,750 for a one-unit property. Loans above this amount are jumbo loans. Save Financial originates both conforming and jumbo loans throughout Contra Costa County, with average jumbo rates wholesale pricing that may differ from retail bank pricing quotes.
What is the FHA loan limit in Contra Costa County?
The 2026 FHA loan limit in Contra Costa County is $1,209,750 for a one-unit property. FHA loans require just 3.5% down with credit scores from 580. They are the most popular financing option for Contra Costa County first-time buyers.
What is the median home price in Contra Costa County?
The current median home price in Contra Costa County is approximately $895,000. Save Financial pre-approves buyers across the full price range, from entry-level homes to luxury properties in Concord, Richmond, Antioch, San Ramon, Walnut Creek.
Does Save Financial serve all of Contra Costa County?
Yes. Save Financial is licensed in all 58 California counties including Contra Costa County. We originate loans for buyers and homeowners in every city in the county including Concord, Richmond, Antioch, San Ramon, Walnut Creek. We close loans efficiently when documentation is complete.
How long does it take to close a mortgage in Contra Costa County?
Save Financial closes Contra Costa County mortgages efficiently when documentation is complete, compared to a national efficiently from. We've closed over many California loans with a 4.9/5 rating across 63 verified Yelp reviews (Newport Beach office).
Can I qualify for a USDA loan in Contra Costa County?
USDA Rural Development financing is available in eligible rural areas of Contra Costa County. Save Financial can check USDA eligibility for any specific Contra Costa County property address in 60 seconds.