Shingle Springs is an unincorporated El Dorado County community along Highway 50 between Cameron Park and Placerville, where oak-studded acreage and custom homes stretch from Mother Lode Drive into the foothills. We help Shingle Springs buyers and homeowners with financing for acreage, custom homes and rural properties. First-time homebuyer loans in Shingle Springs include 3 percent down conventional programs, 3.5 percent down FHA loans, zero-down VA and USDA options and CalHFA programs with down payment assistance. Pacific National Lending lays them out side by side so you can see what fits your budget.
Call Pacific National Lending for first-time homebuyer loans in Shingle Springs: (916) 526-2700
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Shingle Springs buyers typically want land, privacy and a manageable Highway 50 commute to Folsom and Sacramento, and most properties come with wells, septic systems, outbuildings and sometimes second units. That calls for a lender who understands rural appraisals, and larger parcels regularly reach jumbo loan amounts. The loan program that fits a first-time buyer in Shingle Springs depends on credit score, savings, income and the type of home. FHA is forgiving on credit, conventional loans reward stronger scores with cheaper mortgage insurance, and VA and USDA eliminate the down payment entirely for eligible buyers.
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Housing is mostly custom and semi-custom homes on one-to-ten-acre parcels along Mother Lode Drive, French Creek Road and South Shingle Road, with older homes near the historic townsite and a few smaller subdivisions off Ponderosa Road. We help Shingle Springs 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 Shingle Springs first-time buyers started with a credit or savings plan from us six to twelve months before they bought.
Our first-time homebuyer loans clients in Shingle Springs come from Mother Lode Drive, French Creek Road, South Shingle Road, Ponderosa Road and every other part of the El Dorado County foothills. Shingle Springs is about thirty minutes from our Gold River office via Highway 50.
For first-time homebuyer loans in Shingle Springs, 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.
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