Modesto is the Stanislaus County seat and the hub of the central San Joaquin Valley, with tree-lined older neighborhoods, the master-planned Village One community and a strong agricultural economy. We help Modesto buyers, homeowners and investors with purchase loans, refinances and rental property financing. Buying your first home in Modesto is a big step, and Pacific National Lending makes it a clear one. We explain every part of the process in plain language, compare the first-time homebuyer loan programs you qualify for, and stay with you from pre-approval through the day you get the keys.
Call Pacific National Lending for first-time homebuyer loans in Modesto: (916) 526-2700
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Modesto's affordability relative to the Bay Area and Sacramento draws first-time buyers, commuters and investors, and FHA, VA and conventional low-down-payment loans are all common here. Long-time homeowners frequently refinance or open HELOCs to fund improvements on older homes. A first-time homebuyer is generally anyone who has not owned a home in the past three years, which means some Modesto 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 ranges from 1920s to 50s homes in the College area and downtown to 1960s to 80s neighborhoods along McHenry Avenue, 1990s and 2000s subdivisions in Village One and northeast Modesto, and newer construction on the north and east edges of the city. Our team has guided hundreds of first-time buyers through the Modesto market, and we know where the surprises usually come from: appraisal gaps, condition issues, HOA reviews and timing. We handle them so your first purchase goes as smoothly as your tenth.
Ready to explore buying your first home in Modesto? Call (916) 526-2700 or apply online. A licensed loan officer will explain what you qualify for, with no credit pull at the first step.
Pacific National Lending serves Village One, College Area, Downtown Modesto, McHenry Avenue corridor and the rest of Modesto for first-time homebuyer loans. Modesto is about an hour and fifteen minutes from our Gold River office, and we handle Modesto loans by phone, email and e-signature.
For first-time homebuyer loans in Modesto, 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: First-Time Homebuyer Loans · All loan options · Purchase · Refinance · Today's rates
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