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. A refinance is only worth doing when the math works, and Pacific National Lending starts every El Dorado Hills refinance conversation with the numbers: the new rate, the closing costs, how many months it takes to recover those costs, and what you save over the time you expect to keep the home.
Call Pacific National Lending for mortgage refinancing 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. Because we broker refinances to many lenders, El Dorado Hills homeowners are not limited to their current servicer's offer. We can often reduce or eliminate lender fees, apply lender credits toward closing costs, or find a program that fits changed income or credit.
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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 refinance process in El Dorado Hills takes about three to four weeks from application to funding. You will receive a written estimate, we will lock the rate when it makes sense, order the appraisal and handle underwriting conditions, and you sign with a mobile notary at your convenience.
Homeowners in El Dorado Hills with FHA loans can often refinance into a conventional loan to remove mortgage insurance once they reach 20 percent equity, which can save hundreds per month. We run that comparison for every FHA borrower who asks.
Pacific National Lending serves Serrano, Blackstone, Promontory, Ridgeview and the rest of El Dorado Hills for mortgage refinancing. El Dorado Hills is about fifteen minutes up Highway 50 from our Gold River office.
Call Pacific National Lending at (916) 526-2700 or start your application online. We will review your goals, explain your options in plain English and give you real numbers for mortgage refinancing in El Dorado Hills.
Apply HereLearn more about the program itself: Mortgage Refinance · All loan options · Purchase · Refinance · Today's rates
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