Loomis is a small Placer County town along Taylor Road and I-80 that has kept its rural character, with acreage properties, horse pastures and a walkable historic downtown. We help Loomis buyers and homeowners with purchase loans, refinances and financing for larger properties. For many first-time buyers in Loomis, 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 Loomis: (916) 526-2700
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Loomis buyers are often looking for land, privacy and Del Oro High School, and many properties include acreage, wells, septic systems or outbuildings that require a lender comfortable with rural appraisals. Prices frequently reach jumbo levels for larger parcels and custom homes. FHA loan limits are set by county, and in Placer County they cover most entry-level and mid-range homes in Loomis. 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 custom homes on one-to-five-acre parcels off Horseshoe Bar Road and King Road, 1970s to 90s homes on large lots near downtown, and a limited number of newer subdivisions. 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 Loomis, 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 Loomis, 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 Downtown Loomis, Horseshoe Bar Road, King Road, Taylor Road corridor and the rest of Loomis for FHA loans. Loomis is about thirty 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 Loomis.
Apply HereLearn more about the program itself: FHA Loans · All loan options · Purchase · Refinance · Today's rates
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