Mortgage Rates in Sacramento, CA - Compare Rates & Save

Live mortgage rates and costs in seconds! – No email, Social Security Number or Personal Information is required. Serving home buyers in Sacramento, CA.

Your Best Rates Here

$ 3,694
The monthly payment shown is principal and interest only and doesn’t include property taxes and homeowners insurance.
Get Started
$ 3,792
The monthly payment shown is principal and interest only and doesn’t include property taxes and homeowners insurance.
Get Started
$ 3,942
The monthly payment shown is principal and interest only and doesn’t include property taxes and homeowners insurance.
Get Started
Get Started

Connect with a Mortgage Advisor Today!

Whether you’re buying a home or ready to refinance, our professionals can help.

Live Mortgage Rate Quote Tool – Live Rates 24/7 

Over 15 years ago we decided to be one of the first mortgage companies to allow our clients to get rates and costs online with our online rate quote tool. This transparency has helped us build trust with our clients and empowered them to take control of the mortgage process and with guidance from our experienced Mortgage Advisors make informed decisions on what loan structure works best for their specific situation.

Current Mortgage Rates in Sacramento, CA

At Sammamish Mortgage, we specialize in providing precise and personalized mortgage rate quotes for homebuyers in California, including the bustling city of Sacramento. Utilize our Instant Rate Quote tool to discover the interest rates and closing costs tailored to your financial standing and desired loan type. Mortgage rates fluctuate often, influenced by multiple factors like the borrower’s qualifications. Hence, a customized rate quote is essential for accurate planning. We proudly serve multiple states, including Washington State, Oregon, Colorado, and Idaho, apart from California.

Exceptionally Competitive Rates in Sacramento, CA

With over 30 years of dedicated service in the Pacific Northwest and extending to California, Sammamish Mortgage has earned its reputation for offering some of the most competitive mortgage rates. Our experience in Sacramento’s unique housing market enables us to guide you in selecting the ideal home loan for you. The table displayed here offers a glimpse into the prevailing mortgage rates in Sacramento, covering a wide array of loan types such as jumbo, fixed, and adjustable-rate mortgages, as well as government-backed options like FHA and VA loans. We also provide specialized loans like bridge and construction loans. For a Sacramento-specific mortgage rate quote customized to your financial standing, please get in touch with us.

Live Mortgage Rates in Sacramento, CA

Sammamish Mortgage is a family-owned business with an impressive track record spanning nearly three decades. We are committed to offering competitive rates not just in the Pacific Northwest but also in California. Whether you are planning to purchase a home in Sacramento or any other state we serve, reach out to us for a personalized mortgage rate quote today.

Points and Your Mortgage in Sacramento, CA

In our mortgage rates table, you will notice a “points” column. One point equates to one percent of your loan amount and can be paid at closing to secure a lower interest rate. The table illustrates how these points can influence your mortgage rate in Sacramento, generally establishing an inverse relationship between points paid and interest rate. To pinpoint the optimal rates and closing costs for your specific needs in Sacramento, please use our Interest Rate Quote tool or consult our experienced team.

Rates Depend on Multiple Factors

Sammamish Mortgage makes use of an innovative software platform that provides you with an instant rate quote. The system does this by comparing multiple lenders and investors from across the US, providing real-time results. All you need to do to get your rate quote is to input a few pieces of information, and within seconds, you’ll receive an accurate breakdown of the interest rates and costs available for you. You won’t have to supply any personal information to obtain this data, either. The mortgage experts at Sammamish Mortgage always work to ensure that the best interests of our clients are always met.

Loan Purpose

The term “loan purpose” is used in the mortgage industry in the US to describe the reason why an applicant is looking to apply for a loan. The lender will use the purpose of the loan to make decisions on the risk level of the borrower. The loan purpose could also affect the interest rate offered by the lender. The most common examples include purchase, rate/term refinance (no cash-out refinance) and cash-out refinance.

Down Payment

The down payment refers to the equity amount that the buyer puts towards the purchase price of a home. For instance, a home being purchased for $500,000 with a $100,000 down payment means the buyer will have 20% equity in the new home. In general a larger down payment results in better rates and closing costs for your loan. Down payments below 20% usually require some form of mortgage insurance which would be an added cost to you. The exception is for VA financing.

Loan Amount

This term refers to the amount that the borrower must pay back to the lender as stipulated in the loan contract. The loan amount is one of the main factors in determining what rate and loan program you’ll be eligible for. For the most common loan programs such as conforming or FHA financing there are loan limits. Anything above those limits results in a borrower being ineligible for that program and subject to different rates and fees. In general VA loans have the best terms followed by conforming loans and select jumbo loans for really qualified borrowers or high net worth clients.

Credit Score

A credit score is a numerical figure that expresses the creditworthiness of a consumer. A higher credit score is better when it comes to taking out a loan, as it reduces the lender’s risk when loaning out funds. A credit score is affected by repayment history, number and age of open accounts, total debt levels, and credit utilization. Credit is a key deciding factor in determining what rates and costs you’re eligible for. High credit scores over 740 will get you the best rates available. Adjustments to the terms available for most loan programs occur in 20 point increments. For example the second best credit score range would be 720-739, then 700-719 and so on.  Once your scores drop below 640 the programs you will qualify for will be severely limited.

Purchase Price

The purchase price refers to the price that a buyer pays for a property.

Property Type

Property type refers to the characteristics and configuration of a dwelling. For instance, detached homes, townhomes, and condos are all examples of different property types. Single Family Home will have the best terms when compared to other property types. Provided you put down more than 25% condos will be second best followed by multi-family 1-4 units. Properties like co-ops and manufactured homes will usually have higher rates and it will be more difficult to find lenders that will accept those property types.


Occupancy refers to the status of the people living in a home. For example, a home may be occupied by the owners, or by tenants who pay the owner rent in exchange for the right to live in the home. Owner Occupied homes will have the best rates followed by second homes (vacation homes that are not rented) and investment properties which include any property that does not fit the classification of a primary residence or second home. This includes rental properties, homes a family member occupies for free or a speculative property that is vacant.

Loan Program

A loan program or loan type refers to the type of loan being taken out to finance the purchase of a property. In the US, common mortgage loan programs include fixed-rate mortgages, variable-rate mortgages, conforming loans, FHA loans, and VA loans. Fixed-rate loans can come with different terms such as a 30 year fixed, 20 year or 15 year fixed. ARM’s or adjustable rate mortgages are usually fixed for a specified period of time and then adjust annually after the initial fixed rate period.

Rate quote isn’t what you expected?

If your instant rate quote isn’t what you expected, we can provide counsel on how to potentially transform your quote into something more acceptable. Sammamish Mortgage is a family-owned mortgage company with over 30 years of experience in the industry. We proudly serve customers in the Pacific Northwest region. We serve WA, ID, OR, CO and CA. If you’re looking to buy a home in one of these states, we can help!

Our Reviews

Brooks B.
November 28, 2023
We had a great experience working with Sammamish Mortgage. Their rates were the best by far: +50bps lower than competitors. But that's just the beginning: the quality of service consistently exceeded my expectations. Trevor was helpful, responsive, and friendly. He patiently answered all my questions, helped me evaluate tradeoffs, and supported our family in finding the right loan option. In addition, Tonya was great as our Loan Processor. We had a 3-week closing period and Sammamish Mortgage was able to meet that tight turnaround. Tonya was great throughout the process: she kept us informed, educated us about the process, and made sure everything continued to move forward. Overall, I cannot recommend Sammamish Mortgage highly enough, and will be recommending them to all my friends and family.
Vinay N.
November 21, 2023
My experience with Sammamish Mortgage has been amazing. Sandra and Jana have provided excellent customer support and help me throughout the process of my owning the house. I would highly recommend to go with Sammamish mortagage, they hands down provided the best rates in the market. Thanks for all your assistance Sammamish Team!
Krzysztof D.
November 21, 2023
Y'all are very honest people, were upfront about pricing, and were clear about what has to happen to make the loan go through.
Susan O.
November 16, 2023
This was the easiest mortgage I have ever done. Nick was a true professional and guided us through the process ensuring we were kept informed along the way. Stacey helped to smooth the financial side and ensure a clean submittal to underwriting. There were no surprises and everything came together with no hitches. The best team to work with, we highly recommend!!
Aubrey K.
November 14, 2023
Communication and promptness was fantastic! I felt that the process was very clear and easy to follow, even for a first timer. It was great how everyone took the time to understand my personal situation and concerns. Definitely feels more human than working with a large bank!
Nathaniel S.
November 8, 2023
Nick, Stacey and the rest of the team were great throughout the entire process. Cant recommend enough!
Efren John M.
November 5, 2023
Chris and Jana helped and guided us all throughout the entire process from pre-approval to closing. They were very quick to respond and were just on top of things. Wouldnt have picked a different lender.

Sammamish Mortgage Can Help You with a Rate Quote

Get a personalized instant mortgage quote online in minutes today!
Get Started

We proudly serve customers in the Pacific Northwest region. We serve WA, ID, OR, CO & CA. If you’re looking to buy a home in one of these states, we can help!

  • Sammamish Mortgage No Cost Program
  • Live Real-Time Custom Rates and Costs
  • Low Mortgage Rate Quotes and Fees
  • Detailed Cost Breakdown
  • On Time Closing
  • Transparency In All We Do
  • Unparalleled Reputation
  • Communication Is Key
  • Reduced Monthly PMI
  • Fast Appraisals
Get Started

Compare Mortgage Rates in Your Area Instantly

No Obligation and transparency 24/7. Instantly compare live rates and costs from our network of lenders across the country. Real-time accurate rates and closing costs for a variety of loan programs custom to your specific situation.

Subscribe to our newsletter