El Dorado Hills is one of the most sought-after communities in the Sacramento region, built into the oak-covered foothills of western El Dorado County just east of Folsom. We help buyers and homeowners here with everything from jumbo purchases in Serrano to refinances and home equity lines. Shopping for a home loan in El Dorado Hills means more than finding the lowest advertised rate. Points, lender fees, mortgage insurance and the loan program itself all change what you actually pay, and PNL lays those numbers out side by side so you can make a confident choice.
Call Pacific National Lending for home loans in El Dorado Hills: (916) 526-2700
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Home prices in El Dorado Hills run well above the regional average, so jumbo loans, larger down payments and careful structuring are common here. Buyers include executives, physicians and business owners, many of them self-employed, which makes flexible documentation and bank-statement options especially valuable. Conventional loans in El Dorado Hills start at 3 percent down for qualified buyers, FHA allows 3.5 percent down with more flexible credit, VA offers zero down for eligible veterans and service members, and jumbo loans cover purchases above the conforming loan limit for El Dorado County. We walk you through each option with real payment figures.
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Housing includes gated golf-course neighborhoods in Serrano, custom homes with views in Promontory and Ridgeview, established 1980s and 90s subdivisions off El Dorado Hills Boulevard, and newer construction in Blackstone and Heritage. Because we are based in Gold River, El Dorado Hills buyers can lean on us for local knowledge along with financing: which escrow companies close on time, how county loan limits affect the structure, and what sellers and listing agents in this market expect to see in a pre-approval.
A home loan from PNL comes with a fully underwritten pre-approval, transparent pricing across our lender network, and a local team that answers the phone. Call (916) 526-2700 or apply online to see what you qualify for in El Dorado Hills.
We help borrowers with home loans throughout El Dorado Hills, including Serrano, Blackstone, Promontory, Ridgeview, and across western El Dorado County. El Dorado Hills is about fifteen minutes up Highway 50 from our Gold River office.
For home loans in El Dorado Hills, 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: Home Loans · All loan options · Purchase · Refinance · Today's rates
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