The down payment amount varies depending on your individual qualifications and the mortgage type.

We offer conventional mortgages as well as government-backed loans like FHA, VA and USDA loans, any of which may feature low down payments with the right qualifications. In fact, VA and USDA mortgages feature zero down payment.

If you are a first-time homebuyer, we can help you apply for the CalHFA MyHome Assistance Program, which provides down payment assistance.

The closing costs depend on the specifics of your individual loan. For some types of mortgages, closing costs may be capped or paid by the seller.

The amount you can qualify to borrow toward the purchase of your home is based on your credit score, DTI ratio, income, and other metrics as well as the type of mortgage for which you are applying.

For example, if you want to take out a conforming loan, you can borrow up to the Fannie Mae and Freddie Mac loan limits. But if you want to take out a jumbo loan, you can borrow more.

The amount of your payments depends on the amount you are borrowing in total as well as your interest rate and loan term. There may also be additional costs such as mortgage insurance.

During your consultation, we can help you assess what you can afford and explain what monthly costs you can expect if you take out a particular hypothetical loan.

Multiple factors impact mortgage rates, including what rates are at the time you apply for a home loan and how strong your profile is as a borrower.

Your credit score has a large effect in determining your rates. If you need to raise your score, ask us during your consultation for personalized recommendations.

The minimum credit score is dependent on the type of loan you apply for. There are some programs that have relaxed credit score requirements, like FHA, VA and USDA.

We work with customers in Rancho Cordova, Gold River and throughout Sacramento, El Dorado, Placer, San Joaquin and Stanislaus Counties. We can also can help you buy a home or refinance anywhere in the state of California.