Capital-Markets Trained
Jon spent years at Chase, Citi, and Wells Fargo working both retail and capital markets. He knows how loans price, hedge, and sell — and how to use that to your advantage.
Loans by Daco. For 20+ years, Jon Daco has helped Bay Area homebuyers, homeowners, and investors translate complex lending decisions into clear, profitable moves.
Most lenders quote a rate and move on. We model your scenario across products, time horizons, and tax positions — then recommend the structure that earns you the most over the life of the loan. That's intelligent mortgage strategy.
Jon spent years at Chase, Citi, and Wells Fargo working both retail and capital markets. He knows how loans price, hedge, and sell — and how to use that to your advantage.
Before we talk products, we model your numbers. Buy vs. rent, fixed vs. ARM, recast vs. refi, second-lien vs. cash-out — every recommendation comes with the math behind it.
Real estate attorneys, CPAs, insurance, 1031 specialists, contractors. After 20 years, Jon has a guy — and a backup guy. You don't navigate the deal alone.
The Daco Lending Group rule: we don't recommend a loan we wouldn't put our own family in. Period. That's how Jon built a career off referrals.
Daco Lending Group is a full-product shop. From a first-time buyer FHA to a $5M jumbo to a DSCR portfolio expansion, we underwrite all of it in-house through American Pacific Mortgage.
A 20-minute call. Goals, timeline, credit, income, assets. No commitment — we earn the next step.
We model 2–3 loan structures against your scenario and share the math. You pick the one that fits.
Full credit, income, and asset review. You walk into offers with a Daco Lending Group pre-approval letter that sellers respect.
Disclosures, appraisal, underwriting, clear-to-close. Most files fund in 21–30 days. We close on time.
Estimate your monthly payment in seconds. Adjust the sliders and the results update live — then reach out to Jon for an accurate quote based on your actual scenario.
Estimated figures for illustration only. Mortgage insurance estimates assume favorable credit (740+ FICO) on a conventional, owner-occupied loan and will vary by program, FICO, LTV, DTI, property type, and current MI pricing. Does not include HOA dues, flood insurance, or other costs. Actual rate and payment depend on credit profile, property type, and market conditions. Contact Jon for a personalized quote.
Daco Lending Group is based in Walnut Creek, California at 1301 Ygnacio Valley Road and serves clients across the greater San Francisco Bay Area — Contra Costa County, Alameda County, and beyond. Local pricing, local appraisal knowledge, local relationships.
DFPI Licensed under CRMLA · Home Branch
AZ Banker License BK 0906702
Licensed mortgage lending
Jon Daco leads Daco Lending Group out of the Walnut Creek branch of American Pacific Mortgage. He's spent 20+ years inside the country's most respected lenders — Chase, Citi, Wells Fargo, Umpqua, Stearns, Guild, and Planet Home Lending — learning every angle of the business before bringing it home to APM.
While attending UCLA's Molecular & Cell Biology program, Jon developed a detail-oriented and analytical mindset that naturally carried into finance and lending. Today, he applies that same approach to helping clients navigate complex loan scenarios with clarity, strategy, and long-term thinking. The standard he runs his team by is simple — would we put our own family in this loan? If not, we don't recommend it.
"Jon ran four loan scenarios against our offer, told us why the ARM beat the 30-year for our 7-year hold, and closed in 22 days. This is what 'advisor' is supposed to mean."
"I'm self-employed. Two prior lenders couldn't approve me. Jon used a 24-month bank statement program, walked me through every page, and got me into the house."
"We've used Jon three times now. The first deal he saved us. The second we got the equity-wealth-builder HELOC. The third was our daughter's first home. He's our guy."
Daco Lending Group is headquartered at 1301 Ygnacio Valley Road, Suite 100, Walnut Creek, CA 94598 — the American Pacific Mortgage Walnut Creek branch (NMLS #2729279). We serve homebuyers, homeowners, and investors throughout the San Francisco Bay Area, including Contra Costa County, Alameda County, Marin, San Francisco, and the Peninsula, plus statewide lending in California, Arizona, and Oregon.
Over 16 programs — Conventional 30 & 15-year, FHA, VA, USDA, Jumbo & Super Jumbo, Bank Statement, DSCR investor loans, Bridge, Construction, Renovation (203k / HomeStyle), HELOC & second mortgages, Reverse (HECM & jumbo), Commercial, and specialized lending. We model the structure that fits your scenario before recommending a product.
In high-cost Bay Area counties (San Francisco, San Mateo, Santa Clara, Alameda, Contra Costa, Marin), the 2026 conforming high-balance loan limit runs above $1.2M; jumbo financing is anything above that line. We offer competitive jumbo pricing up to $5M+, including 89.99% LTV jumbo programs and interest-only structures.
Our standard purchase timeline is 21–25 days from application to funding. Cash-competitive structures (15–18 day closes) are available for time-sensitive deals. We pre-underwrite up front so offers are accepted with confidence.
No. Initial conversations and scenario modeling are no-credit-pull and no-cost. We only pull credit once you decide to move forward with a pre-approval or application.
Yes — extensively. We have 12 & 24-month bank statement programs, P&L-only programs, asset depletion, and DSCR investor loans for borrowers whose tax returns don't tell the full income story. Self-employed financing is one of our most-requested specialties.
Twenty years in this business have taught me that a mortgage isn't just a transaction — it's where your family will host birthdays, weather hard seasons, and build the memories that matter. When I sit across from a client, I think about my own family, and I ask myself the same question I'd want my own loan officer to ask: is this the right move for the people you love?
— Jon Daco
Send a few details and Jon will personally review your scenario within one business day. No credit pull. No sales pressure.