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

Moraga combines a peaceful valley setting, community gathering places, Saint Mary’s College and extensive parks, trails and open space.

Moraga is an incorporated town in Contra Costa County’s Lamorinda area, surrounded by rolling hills between Orinda and Lafayette. Moraga Way provides the primary connection toward Orinda and Highway 24, while Saint Mary’s Road connects with Lafayette. Saint Mary’s College of California is located in Moraga and contributes educational, cultural and athletic activity to the community.

Rather than one traditional downtown, Moraga has two primary shopping areas: the Moraga Center area and Rheem Valley Shopping Center. These districts provide restaurants, stores and everyday services. Moraga Commons is a 40.2-acre park near the center of town with playgrounds, picnic areas, a bandshell, skatepark, bocce, disc golf and other recreation. The park also hosts community traditions such as summer concerts and the annual Pear and Wine Festival, which celebrates Moraga’s agricultural heritage.

The paved Lafayette-Moraga Regional Trail runs through town and provides connections for walking, bicycling and equestrian use. Mulholland Ridge Open Space Preserve covers approximately 260 acres on the Moraga-Orinda border, with ridge trails connecting toward Hacienda de las Flores and Orinda’s trail system. Housing ranges from established ranch-style homes and condominiums to townhomes, hillside properties and larger custom residences. Depending on the property, financing may involve reviewing slope and drainage, insurance, HOA dues, permit history, appraisal comparables or applicable assessments. Xcel helps borrowers evaluate the complete property and financing picture before moving forward.