Financing Your Next Chapter in Brentwood.
Mortgage options for Brentwood homebuyers, homeowners and real estate investors, with one team helping you compare the path forward.
Brentwood brings neighborhood living and agricultural roots together.
Located in eastern Contra Costa County, Brentwood combines a traditional downtown and residential neighborhoods with a strong agricultural identity. Farms, orchards, farm stands, U-pick destinations and the downtown farmers’ market continue to connect the community with the surrounding agricultural area.
Outdoor recreation is also part of Brentwood’s local character. The City reports approximately 242 developed acres of active parks, nearly 100 parks and recreational facilities, and 19.2 miles of trails.
Financing can vary by property. Established houses, newer planned communities, condominiums, townhomes, larger-lot properties and investment homes may have different requirements. Purchase price, occupancy, HOA dues, solar agreements, insurance, special taxes or assessments, property condition, income documentation and reserves may affect available options.
Options for different Brentwood property and borrower goals.
The right mortgage depends on occupancy, property type, income documentation, assets, credit profile, loan amount and long-term plans.
Conventional Loans
Options for qualifying primary residences, second homes and investment properties.
Explore Conventional →FHA & VA Loans
Government-backed options may provide flexible paths for eligible buyers. VA eligibility and property requirements apply.
Review FHA & VA →Down Payment Assistance
Qualified borrowers may be able to combine an eligible first mortgage with an approved assistance program. Income, occupancy and program limits apply.
Explore Assistance →Jumbo Solutions
Financing for amounts above applicable conforming limits. Credit, reserves, assets and property requirements may be more extensive.
Review Jumbo →Bank Statement Loans
Alternative income documentation for eligible self-employed borrowers whose tax returns may not fully reflect business cash flow.
Compare Options →DSCR Loans
Investment-property financing that may evaluate rental income and property expenses rather than relying primarily on employment income.
Review DSCR →HELOC
Eligible homeowners may be able to access available equity while keeping their existing first mortgage.
Explore Equity →Bridge & Fix-and-Flip
Short-term financing for eligible investors, transitional purchases, renovations and properties intended for resale or refinance.
Discuss a Project →All programs are subject to application, underwriting, property review and approval. Terms, eligibility and availability may change.
From Brentwood plans to a practical financing strategy.
Share your goals and compare paths based on the property, documentation, and timeline in front of you.
Share Your Goal
Buying, refinancing, accessing equity or financing an investment.
Compare Programs
Review options based on qualifications, property and intended use.
Prepare the File
Identify income, asset, property and insurance documents.
Move Toward Closing
Complete final conditions, signing and funding after approval.
Meet Your Local Mortgage Team
Personal guidance for Brentwood homebuyers, homeowners, and real estate investors throughout Contra Costa County.
Brian Paris
Mortgage Loan Officer
NMLS 863054
Xcel Residential Mortgage • Pleasant Hill, CA
Personal mortgage guidance for homebuyers, homeowners, and real estate investors throughout Pleasant Hill and the greater Bay Area.
Aron Crisp
Mortgage Loan Officer
NMLS 1184558
Xcel Residential Mortgage • Pleasant Hill, CA
Helping Pleasant Hill buyers, homeowners, and real estate investors explore financing options with clear, personal guidance.
Brentwood mortgage questions, answered.
Direct answers for Brentwood homebuyers, homeowners, and real estate investors.
What are you planning in Brentwood?
Whether you are buying, reviewing your mortgage, accessing equity or evaluating an investment property, Xcel can help you compare available financing paths.
No pressure. Start with a conversation about your goals and available options.
All loans are subject to application, underwriting and approval. Program terms and availability may change. Equal Housing Opportunity.