Fair Oaks is a tree-lined community along the American River just east of our Gold River office, known for Fair Oaks Village, its bluffs and its larger lots. We finance homes throughout Fair Oaks, from the village to the newer neighborhoods near Madison Avenue. As a mortgage broker near Fair Oaks, our job is to work for you, not for a bank. Broker Jason Skelton and our loan officers compare rates and guidelines from many lenders on every file, so Fair Oaks borrowers see options a single retail lender or big bank simply cannot offer. We are licensed by the California Department of Real Estate (DRE #01778208) and registered with NMLS (#115924).
Call Pacific National Lending for mortgage broker services in Fair Oaks: (916) 526-2700
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Fair Oaks draws buyers who want space, mature trees and river access without leaving the Sacramento suburbs. Prices range widely from modest ranch homes to estate properties, so we see everything from FHA and conventional purchase loans to jumbo financing and equity lines for remodels. In the Fair Oaks market, the difference between a broker and a big bank shows up at the offer stage. A fully underwritten pre-approval from PNL tells the listing agent that the buyer's income, assets and credit have already been reviewed, which makes an offer far more competitive than a pre-qualification letter based on a phone call.
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Housing includes 1950s to 70s ranch homes on large lots near Fair Oaks Village and Phoenix Field, custom and semi-custom homes along the river bluffs, and 1980s and 90s subdivisions north of Madison Avenue. Every Fair Oaks loan at Pacific National Lending starts with a real conversation about your goals, followed by a review of your income, assets and credit. From there we present two or three loan structures with actual numbers, lock the rate when it makes sense, and keep you updated at each milestone through funding. Most purchase loans close in about three weeks.
Our lender network includes programs for nearly every Fair Oaks situation: conventional and jumbo purchase loans, FHA and VA, USDA in eligible areas, first-time buyer and down payment assistance programs, bank-statement loans for the self-employed, DSCR and no-income investor loans, fix and flip financing, reverse mortgages and home equity lines of credit.
We help borrowers with mortgage broker services throughout Fair Oaks, including Fair Oaks Village, Fair Oaks Bluffs, Phoenix Field, Sunset Avenue corridor, and across the American River communities. Fair Oaks is ten minutes from our Gold River office.
For mortgage broker services in Fair Oaks, 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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