Buying your first home is exciting, but it can also feel overwhelming. Our first-time homebuyer loan programs in Orangevale make the process easier, with low down payments, competitive rates, and special incentives.
Apply Here
We offer FHA, conventional, and special state programs tailored for first-time buyers, ensuring you get the best fit for your financial situation.
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, we walk you through every step of buying your first home with confidence.
Apply Here
1. We help you understand mortgage options, credit requirements, and budgeting for your first home.
2. Our team connects you with down payment and closing cost assistance programs to make homeownership more affordable.
3. We take the stress out of the loan process so you can focus on finding your dream home.
© 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.