Welcome to Solcosta Home Loans, Napa Valley's #1 rated mortgage brokerage

Based on our 200+ 5-star Google reviews

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We don't work for the bank, we work for you.

Solcosta Home Loans is an independent mortgage brokerage with access to over a dozen lenders. Locally owned and based in Napa, we serve clients throughout California. We have closed over 900 loans totaling more than $400 million.

We offer a variety of loan options to meet your needs.

Conventional

Conventional loans are available with as low as a 3% down payment. Contrary to popular belief, 20% down is not always required!

FHA

FHA loans have flexible credit requirements, require only 3.5% down, and are very popular with first-time homebuyers.

VA

Eligible veterans and servicemembers of the US Armed Forces can purchase a home with no down payment required.

Jumbo

Jumbo loans allow for the financing of larger loan amounts – up to $3 million with just 10% down.

Non-QM & Investor Loans

Bank statement loans and DSCR loans streamline the process for self-employed borrowers and real estate investors. No tax returns are needed!

Down Payment Assistance

Down payment assistance (DPA) programs, such as CalHFA, help eliminate the biggest hurdle in buying a home – saving for the down payment.

Refinance/Cash-Out Refi

Refinancing can help lower your monthly payment, shorten your loan term, or provide funds to pay off debt or do home improvements.

Line of Credit (HELOC)

Tap into your home’s equity with a line of credit (HELOC) without sacrificing your current interest rate. Fixed and adjustable-rate options are available!

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