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925-698-1114     info@xcelrm.com      NMLS 2829251

Antioch, California

Find the Right Mortgage for Your Move to Antioch

Explore flexible financing options for buying, refinancing, or investing in Antioch, California—with guidance from a local mortgage team.

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Homebuyers Homeowners Investors
Local Perspective

Antioch offers varied housing across eastern Contra Costa County.

Located along the San Joaquin River and Highway 4, Antioch includes established homes near the city’s historic downtown and waterfront, condominiums and townhomes, and single-family homes throughout areas such as Laurel Ridge, Dallas Ranch, Country Manor, and Black Diamond Canyon. Property age, condition, HOA expenses, insurance, and loan size can create different financing considerations from one Antioch property to another.

Antioch Station provides BART service for eastern Contra Costa County, while Highway 4 connects the city with Pittsburg, Concord, and the greater East Bay. Depending on the buyer, property, occupancy, and financial goals, financing may include conventional, FHA, VA, down payment assistance, bank statement, jumbo, or investment-property programs.

Antioch Market Snapshot
$622K
Median listing price
$590K
Median sold price
36 days
Median days on market
101%
Sale-to-list ratio
August 2026
Citywide figures
August 2026 citywide data includes multiple property types and does not represent a specific property or future market conditions.
Source: Realtor.com
Flexible Financing

Financing options for different Antioch goals

Program availability depends on borrower qualifications, property type, occupancy, loan amount, documentation, underwriting, and intended use.

01

Conventional Loans

Flexible financing for eligible primary residences, second homes, and investment properties, subject to program requirements.

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02

FHA & VA Loans

Government-backed options that may offer flexible qualification features for eligible borrowers. VA eligibility and property requirements apply.

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03

Down Payment Assistance

Eligible buyers may be able to combine an approved first mortgage with qualifying assistance. Funding, income limits, repayment terms, and occupancy requirements vary.

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04

Jumbo Loans

Financing for loan amounts above the applicable conforming loan limit, subject to program guidelines.

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05

Bank Statement Loans

Certain programs may evaluate qualifying bank deposits instead of relying solely on traditional tax-return income documentation.

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06

DSCR Loans

Investment-property financing that may use qualifying property rental income rather than the borrower’s personal income.

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07

HELOCs

A revolving line of credit secured by available home equity, subject to credit, equity, underwriting, and program requirements.

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08

Bridge & Fix-and-Flip

Short-term financing options for eligible home transitions, investment purchases, and renovation projects. Purpose and occupancy restrictions vary.

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Your Loan Officers

Meet Your Local Mortgage Team

Personal guidance for Antioch homebuyers, homeowners, and real estate investors throughout Contra Costa County.

BP

Brian Paris

Mortgage Loan Officer

NMLS 863054

Xcel Residential Mortgage • Pleasant Hill, CA

Personal mortgage guidance for homebuyers, homeowners, and real estate investors throughout Antioch and the greater Bay Area.

Read Brian’s Reviews Contact Brian
AC

Aron Crisp

Mortgage Loan Officer

NMLS 1184558

Xcel Residential Mortgage • Pleasant Hill, CA

Helping Antioch buyers, homeowners, and real estate investors explore financing options with clear, personal guidance.

Meet Aron Contact Aron
Xcel Residential Mortgage, Inc. | NMLS 2829251
Straight Answers

Antioch mortgage questions

Questions and answers shown directly on the page for easy review.

Can I get pre-approved before touring homes in Antioch?
Yes. A pre-approval can help an eligible buyer understand a potential price range and prepare to make an offer. Final approval depends on underwriting, the selected property, appraisal when required, and satisfaction of loan conditions.
What loan programs are available for Antioch homebuyers?
Possible options may include conventional, FHA, VA, jumbo, and qualifying down payment assistance programs. The appropriate option depends on credit, income, assets, occupancy, property type, loan amount, and eligibility.
Can self-employed buyers qualify for an Antioch mortgage?
Potentially. Depending on the program, qualification may use tax returns, bank statements, profit-and-loss documentation, or other approved records.
Can I finance an Antioch condo or townhome?
Potentially. Financing may require review of the borrower and the property or project, including HOA insurance, reserves, assessments, litigation, and other characteristics.
Are down payment assistance programs available in Antioch?
Qualifying programs may be available to eligible borrowers. Availability depends on factors such as income limits, occupancy, loan program, property eligibility, funding, and repayment requirements.
Can rental income help me qualify for an Antioch investment property?
Potentially. Some programs may consider qualifying lease income, market rent, or a debt-service coverage ratio. Documentation and calculations vary by program.
Do all Antioch homes require jumbo financing?
No. A loan is generally considered jumbo only when the requested loan amount exceeds the applicable conforming loan limit. The purchase price and down payment both affect the final loan amount.
Let’s Talk

What are you planning in Antioch?

Tell us about your Antioch purchase, refinance, home-equity, or investment-property plans. An Xcel Residential Mortgage professional can review your information and discuss possible next steps.

Xcel Residential Mortgage, Inc.
NMLS 2829251
101 Gregory Lane, Suite 45
Pleasant Hill, CA 94523

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