El Dorado Hills is one of the most sought-after communities in the Sacramento region, built into the oak-covered foothills of western El Dorado County just east of Folsom. We help buyers and homeowners here with everything from jumbo purchases in Serrano to refinances and home equity lines. Many El Dorado Hills buyers have the income to afford a monthly mortgage payment but not the savings for a down payment and closing costs. Down payment assistance programs exist for exactly that gap, and Pacific National Lending works with CalHFA-participating lenders on the programs most El Dorado Hills buyers use.
Call Pacific National Lending for down payment assistance in El Dorado Hills: (916) 526-2700
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Home prices in El Dorado Hills run well above the regional average, so jumbo loans, larger down payments and careful structuring are common here. Buyers include executives, physicians and business owners, many of them self-employed, which makes flexible documentation and bank-statement options especially valuable. To use most assistance programs in El Dorado Hills, you must be a first-time buyer, meaning no ownership interest in a home in the past three years, occupy the home as your primary residence, complete a homebuyer education course and stay within the program's income limits for El Dorado County.
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Housing includes gated golf-course neighborhoods in Serrano, custom homes with views in Promontory and Ridgeview, established 1980s and 90s subdivisions off El Dorado Hills Boulevard, and newer construction in Blackstone and Heritage. Assistance loans add a few steps to the closing, such as program approval and homebuyer education, and we manage all of them. Most El Dorado Hills purchases using CalHFA assistance close in about 30 to 35 days, and we set expectations with your agent and the seller from the start.
Repeat buyers in El Dorado Hills are not always excluded. Some programs waive the first-time buyer requirement in targeted areas or for veterans, and gift funds from family can be used alongside assistance. We look at every angle.
Pacific National Lending serves Serrano, Blackstone, Promontory, Ridgeview and the rest of El Dorado Hills for down payment assistance. El Dorado Hills is about fifteen minutes up Highway 50 from our Gold River office.
Call Pacific National Lending at (916) 526-2700 or start your application online. We will review your goals, explain your options in plain English and give you real numbers for down payment assistance in El Dorado Hills.
Apply HereLearn more about the program itself: Down Payment Assistance · All loan options · Purchase · Refinance · Today's rates
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