Ione is a small western Amador County town in the rolling oak country below the Gold Rush foothills, watched over by the landmark Preston Castle. We help Ione buyers and homeowners with FHA, VA, USDA, conventional and golf-community financing. FHA loans help Ione buyers who have limited savings, a shorter credit history or a past credit event that conventional lenders will not overlook. With 3.5 percent down and flexible qualifying, an FHA loan often turns a buyer who was told to wait into a homeowner this year.
Call Pacific National Lending for FHA loans in Ione: (916) 526-2700
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Ione is one of the most affordable places to buy in Amador County, which brings in first-time buyers, state and public-safety employees and retirees who want quiet streets within an hour of Sacramento and Stockton. The Castle Oaks golf community adds newer homes with HOA dues to account for, while ranch properties toward Jackson Valley and Lake Camanche call for rural appraisal experience. FHA loan limits are set by county, and in Amador County they cover most entry-level and mid-range homes in Ione. FHA also allows the purchase of 2-to-4-unit properties with 3.5 percent down when you live in one unit, which is a popular strategy for buyers who want rental income to help with the payment.
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Housing includes older homes around the historic Main Street, 1990s-to-new homes in and around the Castle Oaks golf community, and ranches and acreage along Highway 104, Jackson Valley Road and the roads toward Camanche. Our FHA process in Ione mirrors any other purchase loan: a fully underwritten pre-approval, a clear document list, appraisal and final approval, typically in about three weeks. Because we broker to several FHA lenders, a file that one lender declines often has a home with another.
FHA also offers a Streamline Refinance for existing FHA borrowers in Ione, 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.
We help borrowers with FHA loans throughout Ione, including Castle Oaks, Downtown Ione, Preston Castle area, Highway 104 corridor, and across the Amador County foothills. Ione is about forty-five minutes from our Gold River office via Jackson Highway and Highway 104.
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 Ione.
Apply HereLearn more about the program itself: FHA Loans · All loan options · Purchase · Refinance · Today's rates
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