West Sacramento sits directly across the Sacramento River from downtown, and its riverfront redevelopment has made it one of the fastest-changing cities in the region. We help West Sacramento buyers, homeowners and investors with purchase loans, refinances and rental property financing. FHA loans help West Sacramento buyers who have limited savings, a shorter credit history or a past credit event that conventional lenders will not overlook. With 3.5 percent down and flexible qualifying, an FHA loan often turns a buyer who was told to wait into a homeowner this year.
Call Pacific National Lending for FHA loans in West Sacramento: (916) 526-2700
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West Sacramento offers newer homes and lower prices than comparable Sacramento neighborhoods, drawing first-time buyers, state workers and downtown professionals who want a short commute. Newer neighborhoods in Southport sit alongside older homes in Broderick and Bryte, so loan programs range from conventional and FHA to renovation-friendly options. FHA loans in West Sacramento 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 2000s-and-newer subdivisions in Southport and the Bridge District, mid-century homes in Broderick, Bryte and the West Capitol Avenue neighborhoods, and townhomes and condos near the riverfront and the ballpark. 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 West Sacramento, 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 West Sacramento 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 West Sacramento come from Southport, Bridge District, Broderick, Bryte and every other part of the greater Sacramento area. West Sacramento 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 West Sacramento.
Apply HereLearn more about the program itself: FHA Loans · All loan options · Purchase · Refinance · Today's rates
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