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Sacramento California Mortgages

Are you in the market to buy in Sacramento? We offer home loans, or mortgages, to buy a new home, refinance an existing property, equity loans, and any other mortgage option that are available to suit your needs.
Steve Rath reports in the Realty Times that, “the market (in Sacramento) will move to a buyer’s to neutral market, over priced homes won’t sell, buyers will have time to really evaluate prospective properties, prices will flatten, but great homes will still sell fast,” meaning that real estate in Sacramento is still a good investment. One thing we can guarantee is that with California Mortgage we will find you the best rate in Sacramento, no matter what your credit situation might be.

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Buying a new home in Sacramento

We have some great mortgage calculators that can help you figure how much home will fit into your monthly budget. Some things you might want to keep in mind when buying a new home are; how much can you afford to pay each month; what are current mortgage rates; what kind of loan program might work for you; and what are Sacramento property taxes. Don’t forget there are many other home options out there specifically for California residences. We work with local and national lenders to make sure that you get the best rate possible.

Refinancing in Sacramento

Refinancing is a way to draw on some of the equity you have worked so hard to build up. We have some great online refinance calculators that can help you figure out what your new payments will be, how much you can save over the life of the loan, and how much you might want to pull out of your home based on monthly payments. Remember, a refinance loan is a great way to consolidate credit card debt, pay for education, or make renovations to your home. It may also be time to lock in long-term fixed rates on your mortgage, ensuring a predictable monthly payment rather than the variability of adjustable rates.

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Quick Sacramento Housing facts

Percent of Homeowners: 48%
Percent of Renters: 52%
Median Household Income: $42,323
Median Sacramento Home Value: $278,724
Home price gain, 2 – 5 years: 27.07%

Sacramento, CA Taxes

The property tax rate in California is 1%, or $1 for every $100 assessed value, with a 2% increase each subsequent year. Be sure to check whether your property is in a special levy district. There could be local bonds issued after a referendum voted locally for schools, libraries, sewers, etc.

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This site is not a broker and does not collect or solicit mortgage applications. Content is for informational or comparison purposes only. Services are not available in New York. Products and services may not be available in all other states.