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A BART station and the Lamorinda school reputation keep Lafayette supply short, and short supply is what the pricing reflects.
Explore mortgage options in Lafayette, Contra Costa County, California. Compare 25+ loan programs including conventional, FHA, VA, jumbo, and investment property financing. Get personalized rates and expert guidance from SRK CAPITAL's local mortgage team.
Rail, oaks and a very short supply
Paste a listing URL and get a detailed breakdown of which loan programs fit the property, with payment examples and risk flags.
Come in fully approved. In Lafayette that is often what separates two similar offers.
Large wooded lots north of town hold the most expensive addresses in Lafayette
The blocks off Mount Diablo Boulevard walk to the station and the plaza
* Rates shown as of and subject to change without notice.
* Rate scenario based on: $650,000 loan amount, 20% down payment ($812,500 purchase price), 740+ credit score, owner-occupied single-family home, with impounds.
* Your actual rate may vary based on your specific credit profile, loan amount, down payment, and other factors.
* APR fees include: $1,350 lender underwriting fee, $80 lender doc fee, $995 processing fee, $149.50 credit report, and third-party fees (title, escrow, appraisal).
* Contact an SRK CAPITAL loan officer for a personalized rate quote.
NMLS #2043372 | DRE #01961971
Equal Housing Lender | © SRK CAPITAL INC.
In Lafayette, the difference between a good mortgage and the right one usually comes down to program fit, pricing, and timing.
Lafayette sits in Contra Costa County, part of the Bay Area's housing market, where lending activity, housing inventory, and neighborhood price points shift noticeably from one community to the next.
From conventional and FHA to VA and jumbo financing, Lafayette borrowers qualify differently under each program's documentation, credit, and loan-limit rules.
Lafayette borrowers frequently compare options against nearby communities such as Antioch, Brentwood, Clayton.
Properties are spending about 49 days on market.
Updated 9/8/2026
Contra Costa Ca Lafayette is updated daily with practical mortgage guidance for this page.