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. A low down payment mortgage in Shingle Springs lets buyers get into a home with far less cash than the traditional 20 percent. Conventional loans start at 3 percent down, FHA at 3.5 percent, and VA and USDA at zero down for eligible borrowers. Pacific National Lending compares all of them for Shingle Springs buyers and shows the true monthly cost of each.
Call Pacific National Lending for low down payment mortgages 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. FHA's 3.5 percent down loan accepts lower credit scores and higher debt ratios than conventional programs, which makes it the right low down payment choice for many Shingle Springs buyers. VA offers zero down for eligible military borrowers, and USDA offers zero down in eligible rural and suburban parts of El Dorado County.
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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. Our low down payment loan process in Shingle Springs starts with a fully underwritten pre-approval that considers every program you qualify for. From there it is the same clear path as any purchase: documents, appraisal, final approval and closing in about three weeks.
First-time buyers in Shingle Springs can often layer CalHFA's MyHome assistance or local programs on top of a low down payment loan, reducing cash to close even further. We check eligibility for every buyer who might qualify.
We help borrowers with low down payment mortgages throughout Shingle Springs, including Mother Lode Drive, French Creek Road, South Shingle Road, Ponderosa Road, and across the El Dorado County foothills. Shingle Springs is about thirty minutes from our Gold River office via Highway 50.
Ready to talk about low down payment mortgages in Shingle Springs? Call (916) 526-2700 or apply online in a few minutes. There is no credit pull at the first step and no obligation.
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