NMHL Mortgage Lending
Mortgage Lender in Sacramento, CA
Local expertise and competitive rates for Sacramento homebuyers.
Sacramento, California's vibrant capital city, is experiencing a dynamic housing market with a median home price of around $430,000. As a hub for government, education, and healthcare, Sacramento attracts diverse homebuyers, from first-time buyers to seasoned investors. At National Mortgage Home Loans (NMHL), we understand the unique challenges and opportunities in Sacramento's mortgage landscape. Our local expertise and range of mortgage programs, including FHA, VA, and specialty loans, help borrowers navigate the complexities of the Sacramento real estate market.
The city's diverse neighborhoods, such as Midtown, Downtown, and East Sacramento, offer a range of housing options, from historic homes to new constructions. With a population of over 524,943, Sacramento's housing market is influenced by factors like property taxes, school districts, and local economic trends. NMHL is committed to helping Sacramento borrowers achieve their homeownership goals, regardless of their credit profile or financial situation.
Whether you're a first-time homebuyer or a seasoned homeowner, NMHL's Sacramento mortgage experts are here to guide you through the process. With competitive rates, personalized service, and a deep understanding of the local market, we're the trusted partner for Sacramento homebuyers. Get pre-approved today and take the first step towards owning your dream home in Sacramento.
Sacramento Housing Market Overview
Explore mortgage options in Sacramento, CA with NMHL. Our local expertise helps you navigate the Sacramento real estate market with competitive rates and personalized service.
See What You Qualify For
Takes about 5 minutes. No obligation. No credit check until you are ready.
Your Local Mortgage Partner
We understand the local market dynamics that affect your home purchase. Our team provides personalized loan options based on local property values and regulations.
Available Loan Programs in Sacramento
Explore mortgage options tailored to Sacramento homebuyers
First Time Home Buyer Mortgages
Special loan programs helping newcomers purchase their first home with favorable terms and support.
Learn MoreRefi-Shield
Learn MoreAdjustable-Rate Mortgage (ARM)
Financial flexibility and optimal rates with an Adjustable-Rate Mortgage – Your key to a dynamic homeownership journey
Learn MoreHigh-Value Appraisal Program
Learn MoreInterest Only Mortgages
Interest-only mortgages allow borrowers to pay only the interest for a set period, reducing initial monthly payments.
Learn MoreHome Equity Loans
Access the equity in your home with a fixed-rate home equity loan. Get a lump sum with predictable monthly payments for ...
Learn MoreFHA Loans
Federal Housing Administration (FHA) loans are government-backed mortgages designed to help first-time homebuyers and th...
Learn MoreFixed-Rate Mortgage
Lock in your interest rate for the life of the loan with a fixed-rate mortgage. Predictable monthly payments make budget...
Learn MoreBridge Loans
Bridge the gap between buying your new home and selling your current one. Short-term financing that gives you the flexib...
Learn MoreVA Loans
VA loans are a benefit earned by veterans, active-duty service members, and eligible surviving spouses. Backed by the De...
Learn MoreConventional Loans
Conventional loans are not backed by government agencies and typically offer the most flexibility for qualified borrower...
Learn MoreITIN Loans
Purchase a home using your Individual Taxpayer Identification Number (ITIN) without a Social Security Number. NMHL is co...
Learn MoreJumbo Loans
Jumbo loans exceed conforming loan limits and are designed for luxury properties and homes in high-cost areas. With comp...
Learn MoreDSCR Investment Loans
Debt Service Coverage Ratio (DSCR) loans qualify based on rental income rather than personal income. Perfect for real es...
Learn MoreBank Statement Loans
Bank statement loans are designed for self-employed borrowers and business owners who have difficulty documenting income...
Learn MoreReverse Mortgages
For homeowners 62 and older, reverse mortgages allow you to access your home equity without monthly payments. Stay in yo...
Learn MoreUSDA Mortgages
USDA Rural Development loans help moderate-income buyers purchase homes in eligible rural and suburban areas. With no do...
Learn MoreHeloc
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Exploring Sacramento Neighborhoods
Sacramento's diverse neighborhoods offer a range of housing options, from historic homes in East Sacramento to modern developments in Natomas. Midtown Sacramento is a popular area, known for its vibrant arts and culture scene, while Downtown Sacramento offers a mix of condos and townhomes. When buying a home in Sacramento, it's essential to research the local neighborhood and its characteristics to find the best fit for your lifestyle and budget.
- Midtown: Known for its arts and culture scene, with a mix of historic homes and new developments.
- Downtown: Offers a range of condos and townhomes, with easy access to government, education, and healthcare institutions.
- East Sacramento: Characterized by its historic homes and family-friendly atmosphere.
NMHL's local expertise can help you navigate Sacramento's diverse neighborhoods and find the perfect home for your needs.
Mortgage Options for Sacramento Borrowers
At NMHL, we offer a range of mortgage options tailored to Sacramento borrowers, including FHA, VA, USDA, Conventional, and Jumbo loans. Our specialty loan programs cater to borrowers with unique financial situations, such as self-employed individuals or those with bad credit. With competitive rates and personalized service, NMHL is the trusted partner for Sacramento homebuyers.
Our mortgage experts can help you explore these options and determine the best fit for your situation. Whether you're a first-time homebuyer or a seasoned homeowner, we're committed to helping you achieve your homeownership goals.
Get pre-approved today and take the first step towards owning your dream home in Sacramento.
Down Payment Assistance in Sacramento
Sacramento homebuyers can access various down payment assistance programs, including grants, matching funds, and other forms of assistance. These programs can help with down payments and closing costs, making it easier to achieve homeownership. NMHL can help you explore these options and determine the best fit for your needs.
- California Homebuyer's Downpayment Assistance Program (CHDAP): Provides deferred-payment, zero-interest loans for down payments and closing costs.
- Sacramento Homebuyer's Tax Credit Program: Offers a tax credit of up to 3% of the home's purchase price.
NMHL can help you navigate the down payment assistance landscape and find the best program for your situation.
First-Time Homebuyer Programs in California
California offers several first-time homebuyer programs, including the California Mortgage Credit Certificate (MCC) program and the California Homebuyer's Downpayment Assistance Program (CHDAP). These programs provide financial assistance, tax credits, and other benefits to help first-time buyers achieve homeownership. NMHL can help you explore these options and determine the best program for your situation.
Our mortgage experts can guide you through the application process and help you understand the benefits and requirements of each program.
NMHL is committed to helping Sacramento's first-time homebuyers achieve their homeownership goals.
Frequently Asked Questions
The average effective property tax rate in Sacramento County is around 0.83%. This means that homeowners can expect to pay approximately $3,570 per year in property taxes on a $430,000 home. However, property tax rates can vary depending on the specific location within Sacramento and any applicable exemptions.
School districts play a significant role in determining home values in Sacramento. Highly-rated school districts like Sacramento City Unified and Natomas Unified can increase property values, as families are willing to pay a premium for access to quality education. When buying a home in Sacramento, it's essential to research the local school district and its impact on your property's value.
California offers several first-time homebuyer programs, including the California Mortgage Credit Certificate (MCC) program and the California Homebuyer's Downpayment Assistance Program (CHDAP). These programs provide financial assistance, tax credits, and other benefits to help first-time buyers achieve homeownership. NMHL can help you explore these options and determine the best program for your situation.
While traditional lenders may be hesitant to approve mortgages for borrowers with bad credit, NMHL offers alternative options. Our bad credit mortgage programs can help you qualify for a mortgage with credit scores as low as 580. We consider a range of factors beyond credit score, including income, debt-to-income ratio, and employment history.
Sacramento homebuyers can access various down payment assistance programs, including the Sacramento Homebuyer's Tax Credit Program and the California Down Payment Assistance Program (CalPLUS). These programs provide grants, matching funds, or other forms of assistance to help with down payments and closing costs. NMHL can help you explore these options and determine the best fit for your needs.
The pre-approval process typically takes 1-3 business days, depending on the complexity of your application and the speed at which you provide required documentation. At NMHL, we offer a streamlined pre-approval process that includes a comprehensive review of your credit, income, and financial situation. Get started today and receive a personalized pre-approval letter.
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Ready to Buy in Sacramento?
Let NMHL help you navigate the Sacramento housing market with expert guidance and competitive rates.