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One station carries both BART and Caltrain, SFO sits a mile north, and the hills climb west from there.
Explore mortgage options in Millbrae, 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.
Transit, airport and the hillside above them
Paste a listing URL and get a detailed breakdown of which loan programs fit the property, with payment examples and risk flags.
Noise disclosures do not stop a loan, but they should not surprise you either.
Millbrae Highlands climbs the western slope with the best bay views
Capuchino holds the flatter streets closest to El Camino and the station
* 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.
Homebuyers in Millbrae weigh loan programs, neighborhood pricing, and lender fit before locking a rate.
As one of the communities that make up San Mateo County in the Bay Area, Millbrae moves with county-wide lending trends while keeping its own inventory and pricing rhythm.
Millbrae buyers choose among conventional, FHA, VA, and jumbo paths — each with its own down-payment floor, credit expectations, and county loan limits.
Millbrae borrowers frequently compare options against nearby communities such as Atherton, Belmont, Brisbane.
Updated 9/8/2026
San Mateo Ca Millbrae is updated daily with practical mortgage guidance for this page.