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. Pacific National Lending works with real estate investors across El Dorado Hills who need financing that keeps up with their plans: purchase loans for rentals, cash-out refinances to fund the next acquisition, and programs that do not depend on tax returns. As a broker, we shop your investor loan across many lenders.
Call Pacific National Lending for investor 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. When conventional guidelines stop working, DSCR loans in El Dorado Hills qualify on the property's rent instead of personal income, bank-statement loans use business deposits in place of tax returns, and portfolio lenders can finance investors with more than ten properties or unusual situations.
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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. Our investor loan process in El Dorado Hills starts with your goals: cash flow, appreciation, how many properties you plan to buy and how quickly. From there we recommend a loan program, issue a pre-approval you can make offers with, and close the purchase in about three weeks.
Many El Dorado Hills investors hold rentals in an LLC. Conventional loans require individual vesting, while DSCR and portfolio loans usually allow LLC ownership, and we structure the loan to fit how you hold title.
Pacific National Lending serves Serrano, Blackstone, Promontory, Ridgeview and the rest of El Dorado Hills for investor loans. El Dorado Hills is about fifteen minutes up Highway 50 from our Gold River office.
For investor 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: Investor Loans · All loan options · Purchase · Refinance · Today's rates
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