Loomis is a small Placer County town along Taylor Road and I-80 that has kept its rural character, with acreage properties, horse pastures and a walkable historic downtown. We help Loomis buyers and homeowners with purchase loans, refinances and financing for larger properties. Financing an investment property in Loomis is different from financing a home you live in, with larger down payments, different rates and lender rules about how many properties you can finance. Pacific National Lending navigates those rules so investors can keep growing.
Call Pacific National Lending for investor loans in Loomis: (916) 526-2700
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Loomis buyers are often looking for land, privacy and Del Oro High School, and many properties include acreage, wells, septic systems or outbuildings that require a lender comfortable with rural appraisals. Prices frequently reach jumbo levels for larger parcels and custom homes. Conventional investor loans in Loomis typically require 15 to 25 percent down depending on the property type, and Fannie Mae limits a borrower to ten financed properties. Rental income from the new property can help you qualify, and rates run somewhat higher than owner-occupied loans.
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Housing includes custom homes on one-to-five-acre parcels off Horseshoe Bar Road and King Road, 1970s to 90s homes on large lots near downtown, and a limited number of newer subdivisions. Our investor loan process in Loomis 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 Loomis 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 Downtown Loomis, Horseshoe Bar Road, King Road, Taylor Road corridor and the rest of Loomis for investor loans. Loomis is about thirty minutes from our Gold River office.
For investor loans in Loomis, 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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