Davis is Yolo County's university town, home to UC Davis and one of the tightest housing markets in the Sacramento region. We help Davis buyers, homeowners and investors with purchase loans, refinances and rental property financing. Most first-time buyers in Davis have the same questions: how much can I afford, how much do I need saved, and what will the payment be. Pacific National Lending answers all three with real numbers at the very first conversation, with no credit pull and no obligation.
Call Pacific National Lending for first-time homebuyer loans in Davis: (916) 526-2700
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Inventory in Davis is chronically limited and prices run well above the county average, so buyers need strong pre-approvals and often jumbo or high-balance financing. The university also creates steady demand for investment properties and parent-assisted purchases for students. A first-time homebuyer is generally anyone who has not owned a home in the past three years, which means some Davis buyers who owned years ago qualify again. That status unlocks CalHFA programs, reduced mortgage insurance on some conventional loans and down payment assistance.
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Housing includes 1950s to 70s homes in Old North and Central Davis, planned neighborhoods in South and West Davis, the Village Homes community, condos and townhomes near campus, and newer homes in North Davis and the Cannery. We help Davis first-time buyers plan for the full cost of ownership, not just the loan: property taxes, insurance, HOA dues if any, maintenance and the reserves you want left after closing. A payment that fits comfortably is worth more than the largest loan you can qualify for.
If you are not quite ready, we will tell you what to work on and check back in. Many Davis first-time buyers started with a credit or savings plan from us six to twelve months before they bought.
We help borrowers with first-time homebuyer loans throughout Davis, including Downtown Davis, Old North Davis, Village Homes, South Davis, and across Yolo County. Davis is about forty minutes from our Gold River office via I-80, and most Davis clients work with us by phone and secure e-signature.
Ready to talk about first-time homebuyer loans in Davis? Call (916) 526-2700 or apply online in a few minutes. There is no credit pull at the first step and no obligation.
Apply HereLearn more about the program itself: First-Time Homebuyer Loans · All loan options · Purchase · Refinance · Today's rates
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