First-time homebuyer programs in Granite Bay are designed to lower barriers for new buyers. Options include FHA loans with 3.5% down, conventional loans with 3% down, and special programs that reduce or remove private mortgage insurance. These loans are tailored for those who have never owned a home or have not owned in the last three years, giving local buyers an opportunity to step into ownership confidently.
Apply Here
Many first-time buyers qualify for additional benefits such as down payment assistance, lender credits, and reduced interest rates. We help layer these programs strategically, so you can stretch your budget further and compete in Granite Bay’s active housing market. Our team provides clarity on eligibility, income limits, and property requirements, ensuring every advantage is explored.
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
From pre-approval to closing, our team provides hands-on support for first-time buyers. We explain mortgage terms in plain language, prepare you for appraisal and inspection, and make sure your financing is aligned with your long-term goals. Our local experience ensures you are competitive while staying financially comfortable.
Apply Here
1. We provide detailed loan comparisons that show payment differences, total interest costs, and potential savings with first-time buyer incentives. This data-driven approach helps you make confident choices and understand exactly how your loan benefits stack up against standard options.
2. Our team assists with navigating credit requirements, including coaching for small improvements that may reduce your rate or increase eligibility. We also highlight lender-paid options that may reduce upfront costs without compromising your ability to refinance later if rates drop.
3. We coordinate closely with your real estate agent to ensure financing milestones are met, contingencies are satisfied, and your offer is presented strongly. By combining expert guidance and proactive communication, we create a smooth pathway into homeownership in Granite Bay.
© 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.