North Highlands is an unincorporated Sacramento County community next to McClellan Park, the former Air Force base that is now one of the region's largest business parks. We help North Highlands buyers, homeowners and investors with FHA, VA, conventional and rental property financing. Pacific National Lending provides home loans in North Highlands for every kind of buyer: first-timers, move-up families, relocating professionals, veterans and investors. As a mortgage broker, we compare conventional, FHA, VA, USDA and jumbo programs across multiple lenders and recommend the one that costs you the least over the time you plan to own the home.
Call Pacific National Lending for home loans in North Highlands: (916) 526-2700
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North Highlands is one of the most affordable communities in Sacramento County, which makes it a first stop for first-time buyers, FHA and VA borrowers and investors looking for rentals. Many homes date from the 1950s and 60s, so condition-related appraisal issues and renovation financing come up often. Rates on North Highlands home loans move daily, and the rate you qualify for depends on credit score, down payment, loan size and property type. We show you how each of those levers changes your payment, then lock the rate at the right moment with a lender who can close on your contract timeline.
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Housing is mostly single-family homes built between the 1950s and 1970s around Watt Avenue, Elkhorn Boulevard and Madison Avenue, with some 1980s and 90s subdivisions on the north side and duplexes and small multi-unit properties throughout. Our process for North Highlands home loans is straightforward: a short application, a document checklist, a fully underwritten pre-approval you can shop with, then appraisal, final approval and closing. You get updates at each step, and one loan officer stays with your file from start to finish.
If your credit, income or down payment is not quite where it needs to be, we will tell you exactly what would change the outcome and how long it might take, and then we will keep in touch. Many of our North Highlands clients started with a plan six months before they bought.
We help borrowers with home loans throughout North Highlands, including McClellan Park, Watt Avenue corridor, Elkhorn Boulevard, Larchmont, and across north Sacramento County. North Highlands is about twenty-five minutes from our Gold River office.
Call Pacific National Lending at (916) 526-2700 or start your application online. We will review your goals, explain your options in plain English and give you real numbers for home loans in North Highlands.
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