Sacramento Mortgage Broker

Sacramento buyers have more program choices than most of California

Because home prices here sit below the coastal markets while the regional FHA tier runs high, a large share of Sacramento purchases qualify for both conventional and FHA financing. That is a genuine choice, and it is worth running both ways. FHA can mean a smaller down payment and easier credit treatment, while conventional usually wins on long term cost once you have twenty percent down. Which one is cheaper depends on your credit, your down payment, and the lender.

A bank will show you one answer. As an independent broker, Mike prices your file across a wide panel of lenders and shows you the comparison side by side. The consultation and quote are free, and our mortgage FAQ covers the common questions.

Buying new construction in Placer and El Dorado

Much of the growth in this region is new build, and builders almost always steer buyers toward their in house lender with an incentive attached. Sometimes that incentive is worth taking. Often the rate behind it is padded enough that the credit costs you more than it saves, and the only way to know is to hold the builder quote next to an outside one. Mike will price the same loan independently so you can compare the full picture, incentive included.

Construction and renovation financing is also available if you are building rather than buying finished.

Serving Sacramento and the surrounding counties

Mike works with borrowers in Sacramento, Elk Grove, Folsom, Roseville, Rocklin, Lincoln, Citrus Heights, Rancho Cordova, Davis, Woodland, El Dorado Hills, and Auburn. A steady share of buyers here are relocating from the Bay Area, often carrying equity from a sale and income that is still tied to a coastal employer, which is its own qualifying conversation. See the full loan program list, or call and talk it through.