Buying a home in Roseville, CA, continues to be an exciting opportunity in 2025. With a strong housing market, diverse neighborhoods, and competitive mortgage rates, local buyers have several great loan programs to choose from. Whether you’re a first-time buyer or upgrading your home, understanding your options can help you save money and find the best fit for your goals.
1. Conventional Loans
Conventional loans remain one of the most popular home loan options for Roseville buyers. They’re ideal for those with strong credit and a solid down payment.
Benefits include:
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Competitive interest rates
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Flexible loan terms (10–30 years)
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No mortgage insurance with 20% down
💡 Tip: Work with a local Roseville mortgage lender who can compare conventional rates from multiple investors and help you secure the lowest possible rate.
2. FHA Loans
For buyers who need a little more flexibility, FHA loans are backed by the Federal Housing Administration and allow for lower credit scores and smaller down payments.
Key features:
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Down payments as low as 3.5%
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Easier qualification standards
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Fixed and adjustable-rate options
3. VA Loans
If you’re an eligible veteran or active-duty service member, a VA loan is one of the best financing options available.
Advantages include:
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0% down payment required
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No private mortgage insurance (PMI)
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Competitive interest rates
🏠 Many Roseville-area lenders, including the JJ Mack Team, can help you navigate the VA loan process with ease.
4. USDA Loans
For buyers looking at homes just outside Roseville—like in Loomis, Penryn, or Lincoln—a USDA loan could be a great choice.
Highlights:
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No down payment
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Low interest rates
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Income-based eligibility
5. CalHFA Loans
The California Housing Finance Agency (CalHFA) offers several programs that support first-time buyers. These often include down payment and closing cost assistance.
In 2025, popular options include:
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CalHFA FHA & Conventional Loans
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MyHome Assistance Program
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Dream For All Shared Appreciation Loan
Final Thoughts
Choosing the right home loan can make a huge difference in your monthly payment, total interest costs, and long-term financial success. Take time to compare programs, rates, and requirements to find the best fit for your situation.
If you’re ready to explore home loan options for Roseville, contact us today. Our team of Roseville mortgage experts can guide you through every step of the process and help you secure your ideal home financing in 2025.