West Sacramento sits directly across the Sacramento River from downtown, and its riverfront redevelopment has made it one of the fastest-changing cities in the region. We help West Sacramento buyers, homeowners and investors with purchase loans, refinances and rental property financing. Pacific National Lending works with real estate investors across West Sacramento 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 West Sacramento: (916) 526-2700
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West Sacramento offers newer homes and lower prices than comparable Sacramento neighborhoods, drawing first-time buyers, state workers and downtown professionals who want a short commute. Newer neighborhoods in Southport sit alongside older homes in Broderick and Bryte, so loan programs range from conventional and FHA to renovation-friendly options. Investor loan pricing in West Sacramento depends on down payment, credit, property type and whether the loan is conventional or a DSCR product. A single-family rental with 25 percent down prices best; 2-to-4-unit properties, condos and short-term rentals each have their own adjustments, which we explain up front.
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Housing includes 2000s-and-newer subdivisions in Southport and the Bridge District, mid-century homes in Broderick, Bryte and the West Capitol Avenue neighborhoods, and townhomes and condos near the riverfront and the ballpark. Our investor loan process in West Sacramento 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.
Investors buying 2-to-4-unit properties in West Sacramento can sometimes use an owner-occupied FHA or conventional loan with a low down payment if they live in one unit, then move on to the next property after a year. It is one of the most effective ways to start a portfolio.
We help borrowers with investor loans throughout West Sacramento, including Southport, Bridge District, Broderick, Bryte, and across the greater Sacramento area. West Sacramento is about twenty-five minutes from our Gold River office.
For investor loans in West Sacramento, 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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