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Peninsula · San Mateo CountyYour Burlingame mortgage broker.
From the Easton Addition to the homes above Burlingame Avenue, we help Peninsula buyers and homeowners finance in one of the Bay Area's most competitive markets. Local guidance, real lender options, straight answers.
Mortgage broker serving Burlingame, CA
Burlingame sits in the heart of the Peninsula, halfway between San Francisco and Silicon Valley, and prices here reflect that location. The single-family homes in the Easton Addition and along the lettered streets near Burlingame Avenue routinely trade well into seven figures, and the 1920s Spanish, Tudor, and Craftsman houses that give the city its character almost never sit long once they hit the market. For most buyers, this is a jumbo market — but it's also one where San Mateo County's high-cost FHA and conforming limits open more doors than people expect.
Who buys in Burlingame? A lot of dual-income tech and biotech families relocating from San Francisco for the schools and the walkable downtown, professionals who want a quick Caltrain or 101 commute, and longtime locals trading up within the same few square miles. We also work with buyers eyeing the condos and townhomes near the train station and the smaller bungalows in North Burlingame, where a high-balance conforming or FHA loan at the $1,249,125 ceiling can actually be the right fit.
Because so much of Burlingame financing crosses the conforming line, the loan structure matters as much as the rate. We compare true jumbo programs, high-balance conforming options, and — for self-employed owners common on the Peninsula — bank statement underwriting, so the loan is built around how you actually earn. We're a brokerage, not a single bank, so we can shop your scenario across multiple lenders from our Santa Rosa office while you stay focused on winning the house.
Burlingame is a jumbo-by-default Peninsula market wrapped around a walkable, eucalyptus-lined downtown — yet San Mateo County's ceiling-level FHA and conforming limits quietly make lower-down-payment financing possible here.
Loans we write most in Burlingame
The financing that fits this market — tap one to dig into the details.
Neighborhoods and communities we serve
Neighborhoods & communities: Easton Addition · Burlingame Park · Burlingables · Lyon-Hoag · Ray Park · Mills Estate · North Burlingame · Burlingame Terrace.
Around town: Burlingame Avenue shopping district · Washington Park · Burlingame Caltrain station · Mills-Peninsula Medical Center · Kohl Mansion · Bayfront Trail along the Bay.
For 2026, the FHA 1-unit loan limit in San Mateo County is $1,249,125 — the national high-cost ceiling — which means even FHA financing can stretch surprisingly far on a Burlingame purchase, though most homes here still land in jumbo territory.
Home loans in Burlingame, answered
Can I use an FHA loan to buy in Burlingame?
Yes. Because Burlingame is in San Mateo County, the 2026 FHA 1-unit limit is $1,249,125 — the highest in the country. That makes FHA a real option for condos, townhomes, and smaller homes here, especially for buyers who want a lower down payment. We're based in Santa Rosa and serve Burlingame buyers across the Peninsula.
Will I need a jumbo loan to buy in Burlingame?
Often, yes. Many Burlingame single-family homes price above even the $1,249,125 high-cost ceiling, which puts them into jumbo territory. We compare jumbo and high-balance conforming options side by side so you only step up to a jumbo loan when the price actually requires it.
I'm self-employed — can I still qualify for a Burlingame home loan?
Absolutely. The Peninsula is full of founders, consultants, and equity-heavy earners whose tax returns don't tell the whole story. We offer bank statement loans that qualify income from your deposits, alongside conventional and jumbo programs, so we can match the loan to how you really earn.
Can a first-time buyer realistically purchase in Burlingame?
It takes planning, but yes. We help first-time buyers target the more attainable parts of the market — North Burlingame bungalows, townhomes, and condos near the Caltrain station — and structure low-down-payment options so a strong pre-approval is ready before you tour.
Let's talk about your Burlingame home loan.
Tell us about your purchase, refinance, or build and we'll map a clear path — payment estimates, the right program, and the documents to gather. No pressure, just a straight answer from a San Mateo County broker who knows the market.