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San Ramon sits in Contra Costa County. The county's median household income of $125,727 supports purchases well into the $900,000 range comfortably.
The East County Service Center breaking ground in Brentwood signals long-term stability. Community Mortgages offer local expertise without big-bank friction.
620+
Minimum FICO
3% to 20%
Down Payment Range
30–45 days
Typical Closing
$125,727
County Median Income
Community Mortgages in San Ramon
Community Mortgages typically require 620+ FICO and accept 3% to 20% down. The county's median household income of $125,727 means most San Ramon buyers qualify easily.
Documentation is straightforward: pay stubs, W-2s, and bank statements. Self-employed borrowers qualify with two years of tax returns.
Local decision guide
Use this guide to connect community mortgages eligibility, lender expectations, and local market factors before comparing payment options in San Ramon.
San Ramon sits in Contra Costa County. The county's median household income of $125,727 supports purchases well into the $900,000 range comfortably.
The East County Service Center breaking ground in Brentwood signals long-term stability. Community Mortgages offer local expertise without big-bank friction.
Community Mortgages typically require 620+ FICO and accept 3% to 20% down. The county's median household income of $125,727 means most San Ramon buyers qualify easily.
California's community mortgage space includes credit unions, community banks, and broker networks. These lenders typically fund loans in 30 to 45 days.
Brokers in San Ramon access multiple community lenders simultaneously. Real-time rate comparison keeps costs honest and approvals fast.
Community Mortgages shine for San Ramon buyers with solid income and 5% to 10% down. The county's $125,727 median income supports purchases into the $800,000 range.
They fall short for credit below 620 or zero-down buyers. FHA remains better for minimal down payments.
Community Mortgages versus conventional: conventional requires 20% down to avoid PMI. Community programs accept 5% to 10% down with flexible income documentation.
Versus FHA: FHA goes lower on down payment and credit. Community Mortgages split the difference with no mortgage insurance at 10%+ down.
The East County Service Center breaking ground in Brentwood represents a $155 million investment. For San Ramon homebuyers, that signals long-term regional growth.
Richmond parks are receiving multi-million dollar upgrades with new fields and restrooms. County-wide improvements support home values across Contra Costa.
Most community lenders require 620 FICO minimum. Borrowers with 640+ FICO and solid income qualify easily.
Community programs typically start at 3% down. Five to 10% down is more common for better terms.
Community lenders typically close in 30 to 45 days. Straightforward profiles close on the quicker end.
Yes. Community lenders accept self-employed borrowers with two years of tax returns and profit-and-loss statements.
The 2026 conforming limit for San Ramon is $1,249,125. Community Mortgages work well up to that ceiling.