Concord Mortgage Loans — A Smarter Way to Finance Your Next Move

Concord combines an active downtown, regional transportation, established neighborhoods and extensive parks and open space.

Concord is Contra Costa County’s largest city and a major residential, commercial and transportation center in the central county. Interstate 680, State Route 242 and Highway 4 connect the city with Walnut Creek, Pleasant Hill, Martinez and East Contra Costa County. Concord and North Concord/Martinez BART stations provide service on BART’s Yellow Line, while local bus routes offer additional connections throughout the area.

Downtown Concord centers on Todos Santos Plaza, a 2.5-acre public gathering space surrounded by restaurants, shops and community services. The plaza hosts a year-round farmers’ market, the seasonal Music & Market concert series and other community events. Elsewhere in the city, residents have access to the Concord Pavilion, neighborhood recreation facilities and more than 25 parks with reservable picnic areas. Newhall Community Park includes fields, ponds, trails and open space along Galindo Creek.

Concord also provides substantial access to nature. Lime Ridge Open Space, jointly maintained by Concord and Walnut Creek, contains more than 1,200 acres and approximately 25 miles of trails. Housing ranges from older homes near downtown and mid-century neighborhoods to condominiums, townhomes, larger suburban developments and hillside properties near open space. Depending on the home, financing may involve reviewing property condition, permit history, HOA dues, insurance, appraisal comparables, lot characteristics or applicable special assessments. Xcel helps borrowers evaluate the complete property and financing picture before moving forward.