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. An FHA loan in Fair Oaks is one of the most accessible ways to buy a home. Insured by the Federal Housing Administration, FHA loans allow as little as 3.5 percent down, accept credit scores well below conventional minimums and allow higher debt-to-income ratios. Pacific National Lending brokers FHA loans through multiple FHA-approved lenders so Fair Oaks buyers get competitive pricing.
Call Pacific National Lending for FHA loans 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. FHA loans in Fair Oaks require a minimum 3.5 percent down payment with a 580 or higher credit score, and the down payment can come from savings, a gift from family or an approved down payment assistance program. Sellers can also contribute toward closing costs, which keeps cash to close manageable in this market.
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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. FHA loans are not only for first-time buyers. Move-up buyers, buyers rebuilding credit after a hardship and buyers with student loan debt all use FHA in Fair Oaks, and an FHA loan can later be refinanced into a conventional loan to drop mortgage insurance once equity allows.
Buyers in Fair Oaks using FHA can often combine it with CalHFA or local down payment assistance to cover part or all of the 3.5 percent down. We check every first-time buyer's eligibility for assistance before finalizing the loan structure.
We help borrowers with FHA loans throughout Fair Oaks, including Fair Oaks Village, Fair Oaks Bluffs, Phoenix Field, Sunset Avenue corridor, and across the American River communities. Fair Oaks is ten minutes 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 FHA loans in Fair Oaks.
Apply HereLearn more about the program itself: FHA Loans · All loan options · Purchase · Refinance · Today's rates
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