Truckee is a mountain town on I-80 just north of Lake Tahoe, where year-round residents, second-home owners and short-term rental investors all compete for homes in Tahoe Donner, Glenshire and the historic downtown. We help Truckee buyers and homeowners with jumbo, second-home and investment property financing. For many first-time buyers in Truckee, 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 Truckee: (916) 526-2700
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Truckee is a high-priced resort market where most purchases are jumbo loans and a large share are second homes or investment properties, each with its own down payment and qualifying rules. Buyers often need financing that accounts for HOA dues, mountain insurance costs and short-term rental income. FHA loan limits are set by county, and in Nevada County they cover most entry-level and mid-range homes in Truckee. 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 mountain homes and cabins in Tahoe Donner, family neighborhoods in Glenshire and Prosser Lakeview, lakefront and near-lake homes at Donner Lake, condos near downtown, and luxury homes in Gray's Crossing, Old Greenwood and the Martis Valley communities. FHA appraisals in Truckee 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 Truckee purchase stays on schedule.
Buyers in Truckee using FHA can often combine it with CalHFA or local down payment assistance to cover part or all of the 3.5 percent down. We check every first-time buyer's eligibility for assistance before finalizing the loan structure.
We help borrowers with FHA loans throughout Truckee, including Tahoe Donner, Glenshire, Donner Lake, Downtown Truckee, and across the Truckee-Tahoe area. Truckee is about two hours from our Gold River office, and we handle Truckee loans entirely by phone, email and e-signature.
For FHA loans in Truckee, 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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