* $800,000 | 30-Yr-fixed | Credit Score 800+ | 25% Down Payment
Santa Clarita, CA, offers the perfect mix of suburban comfort and big-city convenience. Known for its excellent schools, scenic parks, and family-friendly atmosphere, it’s one of Southern California’s most desirable places to live.
With communities like Valencia, Canyon Country, and Saugus, Santa Clarita provides a variety of housing options. Whether you’re looking for a modern condo, a spacious family home, or a luxury estate, the real estate market here has something for everyone.
Santa Clarita’s housing market is competitive, with home values steadily increasing. Its close proximity to Los Angeles, combined with top-rated schools and abundant recreational opportunities, makes it a prime location for homebuyers.
If you’re planning to buy in this fast-moving market, getting pre-approved for a mortgage is a smart first step. It not only gives you a better understanding of your budget but also strengthens your offer when competing with other buyers.
At Sammamish Mortgage, we offer a variety of home loan options, helping you secure the best financing for your needs.
If you already own a home in Santa Clarita, refinancing could help you save money or access your home’s equity. With home prices rising, many homeowners are refinancing to take advantage of lower interest rates or cashing out equity for renovations or other financial goals.
Some popular refinancing options include:
● Lowering your interest rate – Reduce your monthly mortgage payment and save over time.
● Cash-out refinancing – Use your home’s equity for home improvements, investments, or debt consolidation.
● Switching from an adjustable-rate mortgage (ARM) to a fixed-rate loan – Gain stability with predictable payments.
Our mortgage experts will help you explore the best refinancing options to meet your financial goals.
With decades of experience in California’s mortgage industry, we make home financing simple and stress-free. Here’s why Santa Clarita residents trust us:
● Competitive Mortgage Rates – Get access to rates 24/7.
● Flexible Loan Programs – Choose from conventional, FHA, VA, and jumbo loans.
● Easy Online Process – Apply, upload documents, and track your loan from anywhere.
● Local Market Expertise – We understand Santa Clarita’s real estate trends.
● Fast & Efficient Closings – We streamline the loan process to help you close quickly.
If you’re looking to buy or refinance a home in Santa Clarita, CA, Sammamish Mortgage is here to help. Contact us today to explore your mortgage options and get pre-approved for your dream home.
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.
Santa Clarita 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 the Department of Financial Protection and Innovation under the Santa Clarita Residential Mortgage Lending Act”
Whether you’re buying a home or ready to refinance, our professionals can help.
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