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. Pacific National Lending provides home loans in Shingle Springs 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 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. Conventional loans in Shingle Springs 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 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 have closed home loans on nearly every kind of Shingle Springs property, so we know which lenders are comfortable with which homes and how to keep an appraisal or a condition request from delaying your closing. Most purchase loans fund in about three weeks from an accepted offer.
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 Shingle Springs clients started with a plan six months before they bought.
Pacific National Lending serves Mother Lode Drive, French Creek Road, South Shingle Road, Ponderosa Road and the rest of Shingle Springs for home loans. Shingle Springs is about thirty minutes from our Gold River office via Highway 50.
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 Shingle Springs.
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