NMHL Mortgage Lending
Mortgage Lender in Concord, CA
Local expertise and competitive rates for Concord homebuyers.
Concord Housing Market Overview
Concord is a growing community in California offering diverse mortgage options for homebuyers. Contact NMHL for personalized Concord mortgage rates and programs.
See What You Qualify For
Takes about 5 minutes. No obligation. No credit check until you are ready.
Your Local Mortgage Partner
We understand the local market dynamics that affect your home purchase. Our team provides personalized loan options based on local property values and regulations.
Available Loan Programs in Concord
Explore mortgage options tailored to Concord homebuyers
First Time Home Buyer Mortgages
Special loan programs helping newcomers purchase their first home with favorable terms and support.
Learn MoreRefi-Shield
Learn MoreAdjustable-Rate Mortgage (ARM)
Financial flexibility and optimal rates with an Adjustable-Rate Mortgage – Your key to a dynamic homeownership journey
Learn MoreHigh-Value Appraisal Program
Learn MoreInterest Only Mortgages
Interest-only mortgages allow borrowers to pay only the interest for a set period, reducing initial monthly payments.
Learn MoreHome Equity Loans
Access the equity in your home with a fixed-rate home equity loan. Get a lump sum with predictable monthly payments for ...
Learn MoreFHA Loans
Federal Housing Administration (FHA) loans are government-backed mortgages designed to help first-time homebuyers and th...
Learn MoreFixed-Rate Mortgage
Lock in your interest rate for the life of the loan with a fixed-rate mortgage. Predictable monthly payments make budget...
Learn MoreBridge Loans
Bridge the gap between buying your new home and selling your current one. Short-term financing that gives you the flexib...
Learn MoreVA Loans
VA loans are a benefit earned by veterans, active-duty service members, and eligible surviving spouses. Backed by the De...
Learn MoreConventional Loans
Conventional loans are not backed by government agencies and typically offer the most flexibility for qualified borrower...
Learn MoreITIN Loans
Purchase a home using your Individual Taxpayer Identification Number (ITIN) without a Social Security Number. NMHL is co...
Learn MoreJumbo Loans
Jumbo loans exceed conforming loan limits and are designed for luxury properties and homes in high-cost areas. With comp...
Learn MoreDSCR Investment Loans
Debt Service Coverage Ratio (DSCR) loans qualify based on rental income rather than personal income. Perfect for real es...
Learn MoreBank Statement Loans
Bank statement loans are designed for self-employed borrowers and business owners who have difficulty documenting income...
Learn MoreReverse Mortgages
For homeowners 62 and older, reverse mortgages allow you to access your home equity without monthly payments. Stay in yo...
Learn MoreUSDA Mortgages
USDA Rural Development loans help moderate-income buyers purchase homes in eligible rural and suburban areas. With no do...
Learn MoreHeloc
Learn MoreWhat Our Clients Say
Real reviews from Google — no cherry-picking
Our Presence
Click on endorsed states to see our direct resources!
Understanding Concord's Housing Market
Concord's housing market is characterized by a mix of older and newer homes, with a median home price of $700,000. The city is experiencing steady growth, driven by its desirable location in the San Francisco Bay Area. Downtown Concord is a hub of activity, with new developments and amenities attracting homebuyers.
Some of the key neighborhoods in Concord include:
- Downtown Concord
- North Concord
- Areas surrounding Mount Diablo Unified School District schools
Stay informed about Concord's housing market trends with NMHL's market updates and insights.
Mortgage Options for Concord Homebuyers
NMHL offers a range of mortgage programs tailored to Concord homebuyers, including:
- FHA loans with down payments as low as 3.5%
- VA loans for eligible veterans
- Conventional loans with competitive rates
- Jumbo loans for high-end properties
- Specialized loan options for self-employed borrowers and those with bad credit
Our loan officers can help you determine the best mortgage solution for your needs and financial situation.
Get pre-approved for a mortgage with NMHL and take the first step towards homeownership in Concord.
Down Payment Assistance Programs in Concord
NMHL offers down payment assistance programs to help Concord homebuyers overcome the upfront costs of purchasing a home. These programs can provide financial assistance for down payments and closing costs.
Some of the down payment assistance programs available in Concord include:
- California Homebuyer's Downpayment Assistance Program (CHDAP)
- NMHL's own down payment assistance programs
Our loan officers can help you explore these options and determine which programs you may be eligible for.
Don't let down payment costs hold you back from achieving your dream of homeownership in Concord. Explore NMHL's down payment assistance programs today.
Why Choose NMHL for Your Concord Mortgage?
At NMHL, we're committed to providing personalized service and expertise to Concord homebuyers. Our loan officers are knowledgeable about the local market and can guide you through the mortgage process.
Some of the benefits of working with NMHL include:
- Competitive rates and terms
- A range of mortgage programs tailored to your needs
- Personalized service from experienced loan officers
- Streamlined application and approval process
Contact NMHL today to start your mortgage journey in Concord.
Frequently Asked Questions
Concord's popular neighborhoods include Downtown Concord, North Concord, and the desirable neighborhoods surrounding Mount Diablo Unified School District schools. Each area has its unique character and home price range. Our loan officers can help you understand the mortgage options available in these neighborhoods.
Property taxes in Concord average 0.82% of assessed value, which is relatively moderate compared to other California cities. This translates to approximately $574 per month on a $700,000 home. NMHL can help you factor property taxes into your mortgage payment and explore options for minimizing your tax burden.
NMHL offers several mortgage programs beneficial for first-time homebuyers in Concord, including FHA loans with down payments as low as 3.5% and VA loans for eligible veterans. We also offer down payment assistance programs and specialized loan options for borrowers with less-than-perfect credit.
Yes, NMHL offers mortgage programs for borrowers with bad credit. We consider factors beyond credit scores, such as income stability and debt-to-income ratio. Our loan officers can help you understand your options and develop a plan to improve your creditworthiness.
Concord is served by the Mount Diablo Unified School District, which is known for its high-quality schools. Homes located within top-rated school districts tend to retain their value better and appreciate more over time. NMHL can help you understand how school district boundaries impact home prices in Concord.
At NMHL, we pride ourselves on our personalized service and expertise in serving underserved borrowers. Our loan officers are knowledgeable about the Concord market and can guide you through the mortgage process, from pre-approval to closing. We offer competitive rates and a range of mortgage programs tailored to your needs.
Related Resources
Ready to Buy in Concord?
Let NMHL help you navigate the Concord housing market with expert guidance and competitive rates.