We specialize in first-time homebuyer loans designed to make your first purchase in Fair Oaks achievable. With low down payment options, competitive interest rates, and tailored guidance, we help you feel confident every step of the way.
Apply Here
These loans often include reduced PMI costs, assistance programs, and lower credit score requirements. We’ll help you find the perfect program that matches your needs and budget.
Apply HereConventional, FHA, VA, USDA, Jumbo Loans
First-Time Homebuyer Programs
Refinance and Cash-Out Options
Down Payment Assistance Guidance
Conventional, FHA, VA, USDA, Jumbo Loans
Few First-Time Buyer Solutions
Refinance and Cash-Out Options
Minimal Down Payment Support
15+ Years Serving California Homebuyers
In-Depth Knowledge of Sacramento & Placer Markets
Dedicated Local Team
High Employee Turnover
Limited Understanding of Local Markets
Remote or Rotating Staff
Direct Access to Loan Officers
Fast Response Times
Step-by-Step Guidance from Application to Closing
Ability to Work with Difficult Applications
Call Centers or Automated Systems
Delayed or Infrequent Communication
Minimal Guidance During Process
Unclear Status Updates
Our mortgage experts take the time to explain your options, review your finances, and secure the best loan terms possible. You’ll have the confidence to move forward knowing you have the right mortgage for your situation.
Apply Here
1. We connect Fair Oaks buyers with FHA, VA, and conventional first-time homebuyer loan programs to match their financial profile.
2. Our first-time buyer process includes detailed rate comparisons, payment estimates, and closing cost breakdowns.
3. We offer one-on-one support to help you navigate every step, from pre-approval to receiving your keys.
© 2025, Pacific National Lending, all rights reserved. Created and managed by 1 Stop Link. Images & icons used on the website are either original, free or purchased on pexels.com, unsplash.com, vecteezy.com, fontawesome.com or other platforms. The display of logos, seals and emblems is not meant to show affiliation between us and their owners. This use falls under the fair use category of copyright protected images.