Rancho Cordova is the city right next door to our Gold River office, and it is where a large share of our purchase loans and refinances close. From the original 1950s and 60s neighborhoods to the newest villages along Douglas Road, we know these streets well. For many first-time buyers in Rancho Cordova, 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 Rancho Cordova: (916) 526-2700
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Rancho Cordova offers some of the most attainable pricing along the Highway 50 corridor, which draws first-time buyers, FHA and VA borrowers and investors alike. Newer master-planned areas such as Sunridge and Anatolia bring in move-up families who want new construction with a short commute to Folsom and downtown Sacramento. FHA loan limits are set by county, and in Sacramento County they cover most entry-level and mid-range homes in Rancho Cordova. 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 ranges from mid-century ranch homes in Cordova Meadows and Lincoln Village to 2000s-and-newer subdivisions in Sunridge, Capital Village and Kavala Ranch, plus new construction still being built out east of Sunrise Boulevard. FHA appraisals in Rancho Cordova include a property condition review, so peeling paint, safety issues or a damaged roof can require repairs before closing. We flag likely issues early and know which lenders and appraisers handle FHA files smoothly, so your Rancho Cordova purchase stays on schedule.
To see whether an FHA loan is right for your Rancho Cordova 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.
We help borrowers with FHA loans throughout Rancho Cordova, including Cordova Meadows, Lincoln Village, Sunridge, Anatolia, and across the Highway 50 corridor. Rancho Cordova borrowers are minutes from our office, and many prefer to sign and drop off documents in person.
For FHA loans in Rancho Cordova, 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
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