Today’s Mortgage Rates in Sacramento

Are you considering purchasing a house in Sacramento? Look no further, as this is an excellent starting point. Sammamish Mortgage is here to assist you in acquiring your ideal Sacramento home.
  • Interest Rate
  • APR

* $800,000 | 30-Yr-fixed | Credit Score 800+ | 25% Down Payment

Unlocking Homeownership in Sacramento with Decades of Mortgage Expertise Since 1992

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.

Decoding Mortgage Rates in Sacramento

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:

  • The choice of your mortgage lender
  • Fluctuating interest rates
  • The size of your down payment
  • Your creditworthiness
  • The type of mortgage you select
  • Additional fees and closing costs involved

Sacramento’s Dedicated Mortgage Professionals

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 salaried professionals, dedicated to providing you with personalized, pressure-free recommendations that best suit your financial needs.

Exploring Housing in Sacramento

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.

Comprehensive Home Loan Programs in Sacramento

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.

Sacramento Mortgage Lenders

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 experience Loan Officers. This approach ensures that you obtain a loan tailored to your specific circumstances, avoiding the risk of borrowing beyond your means.


Home Loan Programs

Sacramento borrowers have a wide range of home mortgage options available to them when it comes to real estate.

30-year fixed rate loans

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.  

VA loans

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.

FHA loans

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.

Jumbo loans

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.

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