Fair Oaks is a tree-lined community along the American River just east of our Gold River office, known for Fair Oaks Village, its bluffs and its larger lots. We finance homes throughout Fair Oaks, from the village to the newer neighborhoods near Madison Avenue. Many Fair Oaks 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 Fair Oaks buyers use.
Call Pacific National Lending for down payment assistance in Fair Oaks: (916) 526-2700
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Fair Oaks draws buyers who want space, mature trees and river access without leaving the Sacramento suburbs. Prices range widely from modest ranch homes to estate properties, so we see everything from FHA and conventional purchase loans to jumbo financing and equity lines for remodels. To use most assistance programs in Fair Oaks, 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 Sacramento County.
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Housing includes 1950s to 70s ranch homes on large lots near Fair Oaks Village and Phoenix Field, custom and semi-custom homes along the river bluffs, and 1980s and 90s subdivisions north of Madison Avenue. Down payment assistance in Fair Oaks works best with a lender who uses it regularly. We know the program guidelines, the documentation and the timing, which keeps the transaction smooth and protects your offer.
Assistance can often be combined with seller credits and lender credits, so an Fair Oaks first-time buyer may bring very little to closing. We structure the offer with your agent so the seller's contribution covers what the program does not.
Pacific National Lending serves Fair Oaks Village, Fair Oaks Bluffs, Phoenix Field, Sunset Avenue corridor and the rest of Fair Oaks for down payment assistance. Fair Oaks is ten minutes from our Gold River office.
For down payment assistance in Fair Oaks, call Pacific National Lending at (916) 526-2700 or use the secure application on this page. A licensed loan officer will follow up within one business day.
Apply HereLearn more about the program itself: Down Payment Assistance · All loan options · Purchase · Refinance · Today's rates
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