Granite Bay is an upscale, unincorporated Placer County community on the west shore of Folsom Lake, known for large lots, custom homes and gated neighborhoods. We help Granite Bay buyers and homeowners with jumbo purchase loans, refinances and home equity financing. For many first-time buyers in Granite Bay, 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 Granite Bay: (916) 526-2700
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Granite Bay is one of the highest-priced markets in the Sacramento region, so most purchases require jumbo financing and many of our clients here are self-employed business owners, executives and physicians who need flexible documentation. Long-time owners frequently use HELOCs and cash-out refinances for remodels and investments. The trade-off with FHA is mortgage insurance: an upfront premium financed into the loan and a monthly premium that stays for the life of the loan when you put less than 10 percent down. We compare that cost against conventional options for every Granite Bay buyer so the decision is made on total cost, not just the down payment.
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Housing includes gated communities such as Los Lagos, Wexford and Treelake Village, custom estates on acreage off Douglas Boulevard and Auburn-Folsom Road, and 1980s and 90s homes in established subdivisions like Treelake and Granite Bay Hills. 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 Granite Bay, and an FHA loan can later be refinanced into a conventional loan to drop mortgage insurance once equity allows.
FHA also offers a Streamline Refinance for existing FHA borrowers in Granite Bay, which can lower the rate with reduced documentation and no new appraisal in most cases. If you already have an FHA loan, ask us whether a streamline makes sense.
Pacific National Lending serves Los Lagos, Treelake Village, Wexford, Granite Bay Hills and the rest of Granite Bay for FHA loans. Granite Bay is about twenty 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 Granite Bay.
Apply HereLearn more about the program itself: FHA Loans · All loan options · Purchase · Refinance · Today's rates
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