Vallejo sits on San Pablo Bay at the southern tip of Solano County, with a ferry to San Francisco, historic Mare Island and some of the Bay Area's most affordable housing. We help Vallejo buyers, homeowners and investors with FHA, VA, conventional and renovation-friendly financing. An FHA loan in Vallejo is one of the most accessible ways to buy a home. Insured by the Federal Housing Administration, FHA loans allow as little as 3.5 percent down, accept credit scores well below conventional minimums and allow higher debt-to-income ratios. Pacific National Lending brokers FHA loans through multiple FHA-approved lenders so Vallejo buyers get competitive pricing.
Call Pacific National Lending for FHA loans in Vallejo: (916) 526-2700
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Vallejo attracts first-time buyers and San Francisco commuters who want Bay Area access at a fraction of the price, along with investors buying and renovating older homes. Victorian and mid-century housing stock means property condition and appraisal issues come up often, so a lender experienced with FHA and renovation options is a real advantage. FHA loans in Vallejo require a minimum 3.5 percent down payment with a 580 or higher credit score, and the down payment can come from savings, a gift from family or an approved down payment assistance program. Sellers can also contribute toward closing costs, which keeps cash to close manageable in this market.
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Housing includes Victorian and Craftsman homes in the historic Heritage District and downtown, 1940s to 60s homes across central Vallejo, hillside neighborhoods in Glen Cove, gated homes in Hiddenbrooke, and new construction on Mare Island. Our FHA process in Vallejo 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 Vallejo, 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 Vallejo, including Glen Cove, Hiddenbrooke, Mare Island, Heritage District, and across Solano County. Vallejo is about an hour and fifteen minutes from our Gold River office, and we handle Vallejo loans by phone, email and e-signature.
For FHA loans in Vallejo, 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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