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Most of the town is cemetery ground. What is left is a short residential street grid and one of the tightest housing supplies on the Peninsula.
Explore mortgage options in Colma, San Mateo 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.
A residential pocket in two square miles
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Mission Road runs past the cemeteries toward the BART station
The El Camino corridor carries the car dealerships and retail
* 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 Colma, the difference between a good mortgage and the right one usually comes down to program fit, pricing, and timing.
Colma sits in San Mateo 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, Colma borrowers qualify differently under each program's documentation, credit, and loan-limit rules.
Colma borrowers frequently compare options against nearby communities such as Atherton, Belmont, Brisbane.
Updated 9/27/2026
San Mateo Ca Colma is updated daily with practical mortgage guidance for this page.