* $800,000 | 30-Yr-fixed | Credit Score 800+ | 25% Down Payment
Embark on your Sacramento home-buying journey with a team that’s been guiding families and individuals to their dream homes for over thirty years. Sammamish Mortgage is intimately familiar with the diverse charm of Sacramento, from the historic streets of Old Sacramento to the lush expanses of Land Park. We are committed to providing you with expert guidance through every step of the mortgage process, making your path to homeownership as smooth as possible.
Entering Sacramento’s dynamic real estate market? It’s vital to understand that mortgage rates in California’s capital can vary based on several factors:
To achieve the most beneficial mortgage rate in Sacramento, it’s critical to partner with a lender who emphasizes transparency. Our Loan Officers at Sammamish Mortgage are professionals, dedicated to providing you with personalized, pressure-free recommendations that suit your financial needs.
Sacramento offers a wealth of housing options, from charming bungalows in Midtown to spacious family homes in the suburbs. The city’s housing market caters to a broad spectrum of preferences, ensuring you’ll find the ideal place to call home.
Reflecting the diversity of its community, Sacramento benefits from our extensive array of loan programs. Whether you’re a newcomer to the housing market or looking to refinance, we have the ideal solution tailored to your specific needs.
In order to secure the most favorable mortgage rate, it is essential to find a trustworthy and reputable mortgage lender. Seek out a mortgage lender that employs highly experienced Loan Officers. This approach ensures that you obtain a loan tailored to your specific circumstances, avoiding the risk of borrowing beyond your means.
Sacramento borrowers have a wide range of home mortgage options available to them when it comes to real estate.
Getting a 30-year fixed-rate loan usually means paying more in interest over the life of the loan, but gives California homebuyers a low monthly mortgage payment.
If you are a veteran, an active duty service member, or the surviving spouse of a military vet, a VA loan often requires no down payment or a very low down payment.
Low-income and first-time homebuyers can count on an FHA loan to give them flexibility when it comes to their credit score or down payment.
If you live in a very expensive part of the country, don’t give up hope. Jumbo loans can help you if the price of your dream home is a bit over the conventional loan limits.
A mortgage is a loan used to purchase or refinance a home, with the property serving as collateral for the loan.
Eligibility for home loans in California typically depends on factors like credit score, income, down payment, and property type.
The mortgage process usually involves getting pre-approved, submitting a full loan application with documentation, undergoing appraisal and underwriting, and closing on the loan once approved.
Yes, most loans require a down payment, typically 3%–20%, though VA and USDA loans may offer zero down.
Conventional loans generally require a credit score of 620+, FHA loans may allow as low as 580, while jumbo loans often need 700+.
A conforming loan falls under Fannie Mae/Freddie Mac limits ($806,500 baseline in 2025, up to $1,209,750 in high-cost counties), while jumbo loans exceed these loan limits.
Popular options include conventional, FHA, VA, USDA, and jumbo loans.
Closing costs typically range from 2% – 5% of the loan amount, including fees, title insurance, and escrow.
Usually the buyer, but sellers sometimes offer credits to cover part of them.
Yes, if your down payment is less than 20% on a conventional loan, or with FHA loans regardless of down payment.
Yes, but you’ll typically need a larger down payment and higher credit score.
Yes, lenders may accept bank statements, tax returns, or other income documentation to qualify self-employed borrowers.
Yes, you can refinance to lower your rate, change loan terms, or access equity through cash-out refinancing.
Sammamish Mortgage offers $1 lender fees, in-house underwriting for faster approvals, competitive rates, vast network of lenders, and over 1,500 5-star reviews from satisfied clients.
Licensed by California Department of Protection and Innovation under the California Residential Mortgage Lending Act.
Whether you’re buying a home or ready to refinance, our professionals can help.
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