Finding the Right Home Loan for You
Buying a home in Roseville, Rocklin, or Loomis is an exciting step but choosing the right mortgage can make all the difference. Whether you’re a first-time buyer or looking to refinance, understanding your loan options helps you find the best fit for your budget and long-term goals.
1. Conventional Loans
Conventional loans are a popular choice for buyers with solid credit and a stable income. These loans typically require a down payment of at least 3%, and with higher credit scores, you can avoid mortgage insurance sooner. Conventional loans offer flexibility and competitive rates for many homebuyers in the Placer County area.
2. FHA Loans
If you’re a first-time homebuyer or have a lower credit score, an FHA loan could be a great fit. Backed by the Federal Housing Administration, these loans allow down payments as low as 3.5% and have more flexible qualification requirements. FHA programs are ideal for new buyers in growing areas like Roseville and Rocklin.
3. VA Loans
For veterans and active-duty service members, VA loans provide outstanding benefits — including no down payment and no private mortgage insurance (PMI). With strong military and veteran communities in Northern California, VA loans are one of the most valuable programs for those who’ve served.
4. CalHFA Home Loans
As a CalHFA-approved lender, our team helps first-time homebuyers across California access programs that offer down payment and closing cost assistance. CalHFA loans are designed to make homeownership more affordable for qualified borrowers in Roseville, Loomis, and Rocklin. These programs are especially helpful for those struggling to save for upfront costs.
5. USDA Loans
If you’re looking at homes in more rural areas surrounding Loomis or Penryn, you might qualify for a USDA loan. This program offers zero down payment options for eligible borrowers and properties, making it one of the most affordable ways to purchase a home in the region.
6. Jumbo Loans
For higher-priced homes in sought-after neighborhoods, jumbo loans provide financing beyond conventional loan limits. These are ideal for buyers in premium areas of Roseville or Rocklin who need more borrowing power.
Which Loan Is Right for You?
Every homebuyer’s situation is different — that’s why it’s important to work with a local mortgage expert who understands the home loan options in Roseville, Rocklin, and Loomis markets. Our team compares loan options from multiple lenders to find the best rates and programs tailored to your goals.
Ready to Explore Your Options?
Whether you’re buying your first home or upgrading to your dream property, we’ll help you navigate your financing options confidently.
Contact us or fill out the form below to discuss which home loan options in Roseville, Rocklin, or Loomis is right for you and get pre-approved for your next move.