North Highlands is an unincorporated Sacramento County community next to McClellan Park, the former Air Force base that is now one of the region's largest business parks. We help North Highlands buyers, homeowners and investors with FHA, VA, conventional and rental property financing. For many first-time buyers in North Highlands, 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 North Highlands: (916) 526-2700
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North Highlands is one of the most affordable communities in Sacramento County, which makes it a first stop for first-time buyers, FHA and VA borrowers and investors looking for rentals. Many homes date from the 1950s and 60s, so condition-related appraisal issues and renovation financing come up often. 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 North Highlands buyer so the decision is made on total cost, not just the down payment.
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Housing is mostly single-family homes built between the 1950s and 1970s around Watt Avenue, Elkhorn Boulevard and Madison Avenue, with some 1980s and 90s subdivisions on the north side and duplexes and small multi-unit properties throughout. 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 North Highlands, 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 North Highlands 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.
Our FHA loans clients in North Highlands come from McClellan Park, Watt Avenue corridor, Elkhorn Boulevard, Larchmont and every other part of north Sacramento County. North Highlands is about twenty-five 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 North Highlands.
Apply HereLearn more about the program itself: FHA Loans · All loan options · Purchase · Refinance · Today's rates
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