Fairfield is the Solano County seat and home to Travis Air Force Base, with neighborhoods that range from established central-city streets to the golf-course communities of Green Valley and Paradise Valley. We help Fairfield buyers and homeowners with VA, FHA, conventional and jumbo financing. For many first-time buyers in Fairfield, an FHA loan is the difference between renting another year and owning. Pacific National Lending explains exactly how FHA works, including the mortgage insurance, so you can decide with real numbers whether FHA or a low-down-payment conventional loan is the better fit.
Call Pacific National Lending for FHA loans in Fairfield: (916) 526-2700
Apply Here
Fairfield's market is shaped by military families using VA loans, Bay Area commuters looking for value along I-80, and first-time buyers using FHA and low-down-payment programs. Green Valley and Rancho Solano push into jumbo territory, while central Fairfield stays among the most affordable areas in Solano County. FHA loans in Fairfield 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.
Get Pre-approved
Housing includes 1950s to 70s homes in central Fairfield, 1980s and 90s subdivisions in Cordelia and Paradise Valley, golf-course and custom homes in Green Valley and Rancho Solano, and new construction on the north side near One Lake. 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 Fairfield, and an FHA loan can later be refinanced into a conventional loan to drop mortgage insurance once equity allows.
To see whether an FHA loan is right for your Fairfield purchase, call (916) 526-2700 or apply online. We will compare FHA and conventional side by side with actual payment figures, and there is no credit pull at the first step.
Pacific National Lending serves Green Valley, Cordelia, Paradise Valley, Rancho Solano and the rest of Fairfield for FHA loans. Fairfield is about fifty-five minutes from our Gold River office via I-80.
For FHA loans in Fairfield, 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: FHA Loans · All loan options · Purchase · Refinance · Today's rates
© 2026, Pacific National Lending, all rights reserved. Created and managed by 1 Stop Link. Images & icons used on the website are either original, free or purchased on pexels.com, unsplash.com, vecteezy.com, fontawesome.com or other platforms. The display of logos, seals and emblems is not meant to show affiliation between us and their owners. This use falls under the fair use category of copyright protected images.