Find the Right Financing for Your Move to Martinez.
Mortgage options for Martinez homebuyers, homeowners and real estate investors—with a local team helping you compare the available paths forward.
Historic character, waterfront access and more ways to call Martinez home.
Martinez is the county seat of Contra Costa County and sits along the southern shore of the Carquinez Strait. The city combines an established downtown, waterfront recreation, hillside areas and several types of residential property.
Housing includes older homes near the historic core, established single-family neighborhoods, hillside homes, condominiums, townhomes and investment properties. Financing considerations vary by property condition, appraisal, insurance, HOA requirements, occupancy, documentation, assets and loan amount.
Martinez is home to the John Muir National Historic Site. The waterfront includes the Martinez Marina and regional shoreline, while the downtown Amtrak station provides passenger rail access. Xcel Residential Mortgage serves Martinez from its nearby Pleasant Hill office.
Median Listing Price
$788K
Median Sale Price
$813K
Median Days on Market
20 days
Martinez citywide market data includes multiple property types. The $788K median listing price is from Realtor.com data accessed in September 2026. The approximately $813K median sale price and 20 median days on market reflect Redfin data for the three months ending August 2026. Sources may use different methodologies, and figures may change. These statistics do not represent a specific property, loan approval, property value or future market conditions.
Sources: Realtor.com and Redfin
Financing options for different Martinez goals.
The right structure depends on the borrower, property, occupancy, timing and long-term plan.
Conventional Loans
Flexible financing for qualified buyers purchasing or refinancing a primary residence, second home or eligible investment property.
Explore Conventional →FHA & VA Loans
Government-backed options with potentially flexible qualifying features. VA loans require qualifying military eligibility.
Review FHA & VA →Down Payment Assistance
Eligibility-based programs that may help qualified buyers with part of the down payment or closing costs. Program limits apply.
Explore Assistance →Jumbo Loans
Financing for loan amounts above conforming limits, which may be relevant for higher-priced Martinez purchases.
Review Jumbo →Bank Statement Loans
An alternative-documentation option for eligible self-employed borrowers whose cash flow may not be fully shown by traditional tax-return analysis.
Compare Options →DSCR Loans
Financing for eligible rental properties, primarily evaluated using rental income and required debt-service coverage.
Review DSCR →HELOC
A revolving credit line that may allow qualified homeowners to access available equity for renovations, major expenses or other approved purposes.
Explore Equity →Bridge & Fix-and-Flip Loans
Short-term financing that may help eligible borrowers manage purchase-and-sale timing or acquire and renovate an investment property.
Discuss a Project →Not every program is available for every borrower or property. Terms, documentation, occupancy rules, equity requirements, loan limits and approval standards vary.
The property matters as much as the purchase price.
Martinez contains properties from different periods and with different ownership structures. An older home, condominium, hillside property, rental or home requiring repairs may involve different appraisal, insurance, title, HOA or lender-review requirements.
A mortgage review can identify documents and property details that may be needed. Buyers should use qualified professionals when evaluating condition, permits, insurance and improvements.
Start with the numbers before making your move.
A mortgage review can help you compare payment scenarios, documentation needs, property considerations and the steps required to move forward.
Tell Us Your Goal
Discuss whether you are buying, refinancing, accessing equity or financing an investment property.
Review Your Options
Compare potentially suitable programs, estimated payments, down-payment needs, closing costs and documentation requirements.
Prepare Your Financing
Complete the application and provide documents required for the selected program and property.
Move Toward Closing
Xcel coordinates applicable disclosures, appraisal, underwriting, conditions and closing.
Meet Your Local Mortgage Team
Personal guidance for Martinez 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.
Questions Martinez borrowers often ask.
Direct answers for Martinez homebuyers, homeowners, and real estate investors.
Let’s talk about your next move in Martinez.
Whether you are purchasing, refinancing, accessing equity or evaluating an investment property, Xcel Residential Mortgage can help you compare available financing options.
No pressure. Start with a conversation about your Martinez home purchase, refinance, equity questions or investment-property goals.
Loan programs are subject to borrower and property qualification, underwriting approval, availability, and change without notice. This is not a commitment to lend. Market information is general and is not an appraisal or guarantee of value.