Loading
Loading
Highway 92 and Highway 1 are the only real ways in, and that isolation is priced into everything from the golf links to the old Main Street.
Explore mortgage options in Half Moon Bay, 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.
Bluff, harbor and Main Street
Paste a listing URL and get a detailed breakdown of which loan programs fit the property, with payment examples and risk flags.
Coastside answers vary lot by lot, and they change the loan. We will find out first.
Downtown gathers the Victorians and shops along Main Street
* 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.
Buying a home in Half Moon Bay starts with matching the right loan program to the neighborhood you want and the payment you can carry.
San Mateo County anchors this corner of the Bay Area's housing market, and Half Moon Bay reflects it — lending volume, inventory, and price points here track the county while staying distinctly local.
Financing choices in Half Moon Bay span conventional, FHA, VA, and jumbo structures, and the right fit depends on documentation, credit profile, and program-specific loan limits.
Half Moon Bay borrowers frequently compare options against nearby communities such as Atherton, Belmont, Brisbane.
Updated 9/8/2026
San Mateo Ca Half Moon Bay is updated daily with practical mortgage guidance for this page.