Sacramento Home Mortgages
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Sacramento Mortgage Lender
Welcome to Capital Home Mortgage Sacramento, a trusted Sacramento Mortgage Lender dedicated to providing homebuyers and homeowners with competitive Sacramento Mortgage Rates and low fees. Our commitment to outstanding customer service ensures a smooth, stress-free experience.
We sincerely appreciate the opportunity to earn your business. We understand that buying a home is one of the most important decisions in life, which is why we offer dedicated points of contact throughout the entire mortgage process. This personalized approach helps ensure a seamless, on-time closing, so you can focus on the excitement of purchasing your new home, not the stress.
As a direct Sacramento Mortgage Company, Capital Home Mortgage Sacramento manages the entire lending process from start to finish. With in-house processing and underwriting, we provide quick, common-sense approvals and timely closings.
Give us a call today at (888) 620-7744 to speak with one of our knowledgeable Sacramento Loan Officers and get started on your path to homeownership!
Sacramento Real estate Market
home Prices
- Median Sale Price: Approximately $480,000, reflecting a 2.6% decrease compared to the same period last year.
- Median Listing Price: Around $475,000, showing stability with no significant change year-over-year.
- Median Price per Square Foot: Approximately $329.
Market Competitiveness
- Market Status: The Sacramento housing market remains very competitive, with homes typically receiving multiple offers
- Average Days on Market: Homes are selling in about 22 days, a slight increase from 19 days in the previous year.
- Sale-to-List Price Ratio: Homes are selling for approximately 100.2% of their listing price, indicating that properties are generally selling at or slightly above asking prices.
Inventory and Sales Volume
- Inventory and Sales Volume:
- Homes Sold: In November 2024, 278 homes were sold, representing a 3.1% decrease from the same period last year.
Inventory Levels: The number of homes for sale has increased by 65.6% compared to the previous year, suggesting a shift towards a more balanced market.
Neighborhood Insights
- East Sacramento: One of the most expensive neighborhoods, with a median listing price of $850,000.
East del Paso Heights: Among the more affordable neighborhoods, with a median listing price of $332,400.
Sacramento Home Loans
Capital Home Mortgage Sacramento is a full-service Sacramento Mortgage Lender that offers a complete line of home loans to meet all Sacramento Residents lending needs: Sacramento Purchase Home Mortgages, Sacramento Renovation Home Mortgages, Sacramento Construction Home Mortgages, Sacramento Manufactured Home Mortgages, Sacramento Rate and Term Refinance Home Mortgages and Sacramento Cash Out Home Mortgages.
Sacramento Purchase Home Mortgages
Purchase a Sacramento Home?
- Primary, 2nd Home, Investment
- Low Rates & Fees, No fee Options
- FHA, VA, USDA, Native American
- Conventional, Jumbo & Renovation
- Manufactured, Construction, Reverse
Capital Home Mortgage Sacramento is committed to providing Sacramento homebuyers with a comprehensive range of Sacramento Purchase Home Loans. We understand that purchasing a home is one of the most significant decisions in a person’s life and can often feel stressful. That’s why we offer dedicated points of contact to guide you through the home buying process, ensuring you are well-informed about the different loan options available.
Our goal is to make your home buying experience smooth and efficient, helping you evaluate your options and select the loan that best fits your individual needs. At Capital Home Mortgage Sacramento, we strive to make the process as quick and easy as possible, while ensuring you make the best financial decision for your future.
Sacramento REfinance Home loans
Sacramento Rate & Term Refinance
- Lower Monthly Payment
- Shorten Mortgage Term
- Streamline Options Available
- Appraisal Waivers Allowed
- VA IRRRL’s
Sacramento Rate and Term Refinance Home Mortgages are a type of refinance in which the borrower replaces the current mortgage with a new mortgage. The goal of a rate & term refinance is to obtain better loan terms, such as a reduced interest rate thereby lowering the monthly payment and/or a different loan duration to either lower the payments or shorten the mortgage term, which may or may not result in a lower monthly payment. Additionally, a rate and term refinance can be used to convert from one loan program to another possibly eliminating the need for mortgage insurance.
Sacramento Cash out Home Loans
Sacramento Equity Mortgage Loans
- Debt Consolidation
- Investment Opportunities
- Home Improvement
- Dream Vacation
- Higher Education
Sacramento Cash-Out Refinance Home Mortgages differ from rate and term refinances in that they allow homeowners to borrow against the equity in their homes by refinancing their current mortgage for an amount greater than the existing loan balance. The homeowner receives the difference in cash or can use the funds to consolidate date that is paid at closing. The other main differences is that cash-out refinances have lower loan to value limits than rate and term refinances and can have slightly higher rates.
Sacramento Construction Home Loans
Build Your Sacramento Dream Home
- Primary Residences Only
- One Time Close
- Lock Rate at Closing
- Traditional Final Mortgages
- No Payments During Construction
Sacramento Construction Home Mortgages are distinct from a traditional construction home loan in combining the construction loan and the permanent mortgage into a single loan. This means you only have to go through the application and closing process once, saving time and money. A traditional construction home loan requires you to apply for a separate mortgage after the construction is completed. A One time close loan also can be combined with other standard mortgage products resulting in much smaller down payments.
Sacramento Renovation Home Loans
Looking to Rehab a Sacramento Home?
- Remodel, Renovate or Repairs
- FHA 203K Streamline
- FHA Full Documentation Rehab
- Fannie Mae Homestyle Reno
- Freddie Mac Home Choice Reno
Want a new Sacramento California home? Don’t want to purchase a home from a builder? Prefer the charm of an older home, or the elegance of a mature neighborhood… Or just want the perfect location close to town? Making your dream home come true might just be in updating that older home. Capital Home Mortgage Bakersfield offer all types of Sacramento Renovation Home Mortgages to make this happen. To put it simply, we will handle and will walk you through the complexities involved in a construction or rehab loan.
Sacramento Manufactured Home Loans
Sacramento Alternative Housing
- Existing Purchase or Refinance
- New Construction
- One Time Close Land/Home Combo
- Lock at Contract
- FHA, VA, USDA, Native American
A Sacramento Manufactured Home is a residential structure built off-site in a factory setting, then transported to its permanent location and placed on a foundation. Modern manufactured houses can be quite sophisticated in design and can offer amenities similar to site-built homes. They can be single-wide, double-wide, or even larger, and they’re constructed using materials and techniques that meet stringent quality standards. Manufactured Homes are built on steel chassis which offer a quicker construction and cost advantages. Contact us today to learn about Sacramento Manufactured Home Mortgages.
Sacramento Purchase Mortgages
Capital Home Mortgage Sacramento is a full-service Sacramento Mortgage Lender that offers a complete line of home loans. Whether you are a first-time purchaser seeking a Sacramento FHA Home Mortgages, looking for a rural property and needing a Sacramento USDA Home Mortgages, a Native Californian wanting to use the HUD 184 Sacramento Native American Home Mortgages , an active or retired veteran in need of a Sacramento VA Home Mortgages , wanting to purchase that dream home over conforming limits with a Sacramento Jumbo Home Mortgages, a seasoned buyer in need of a Sacramento Conventional Home Mortgages or looking for alternative financing with a Sacramento Non QM Home Mortgages we are here to assist.
Call today (888) 620-7744 to talk to one of our Sacramento Loan Officers.
Sacramento FHA Home Mortgages
1st Time Sacramento Homebuyers
- Smaller Down Payments
- Flexible Underwriting Guidelines
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Down Payment Gifts Allowed
A Sacramento FHA Home Loans is a mortgage insured by the Federal Housing Administration or “FHA” and issued by an FHA-approved lender. FHA loans are designed for low-to-moderate-income applicants and first time homebuyers who need a smaller down payment. However, FHA home loans can be used by anyone. FHA home loans feature a low down payment, flexible credit score requirements and the ability to use gift funds for the down payment. Other eligibility requirements for a Sacramento FHA home loan is consistent employment history and documented income.
Sacramento VA Home Mortgages
100% Loans for Sacramento Veterans
- No Mortgage Loan Limits
- Simple Qualifying
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Manual Underwriting Allowed
A Sacramento VA Home Loans is a mortgage option for qualified veterans, active-duty service members, and select surviving spouses in Sacramento California. These loans are made by private lenders but are guaranteed by the United States Department of Veterans Affairs, allowing for favorable terms such as no down payment and no private mortgage insurance (PMI). VA home loans are widely available, with competitive interest rates and liberal credit standards.
Sacramento USDA Home Mortgages
100% Sacramento Rural Home Loans
- Primary Residences
- No Down Payment Required
- New Manufactured Homes Allowed
- Closing Costs / Repairs Rolled In
- Geographic and Income Limits Apply
A Sacramento USDA Home Loans is a zero down mortgage program provided by the US Department of Agriculture (USDA) to assist low-to-moderate-income buyers. USDA home loans are classified into two types: USDA-Guaranteed and USDA-Direct. The USDA-Guaranteed Home Loan is made available by a private lender and guaranteed by the USDA, whereas the USDA-Direct home loan is made available directly by the USDA. To be eligible for USDA financing, the residence must be located in an approved rural area and household income cannot exceed 115% of the median household income in your area for Guaranteed Loans.
Sacramento Native American Home Mortgages
Sacramento Hud 184 Home Loans
- Primary Residence Only
- Manual Underwriting for All Loans
- No Credit Score Requirements
- Tribal Grants Allowed
- Purchase, Refinance, and Renovation
A Sacramento Native American Home Loans, also known as a HUD 184 Home Loan, is a government mortgage loan specifically for registered Sacramento Native Americans. This loan offers easier credit qualifications, tribal grants and can be used to renovate the home along with the purchase.
Sacramento Conventional Home Mortgages
Flexibility for Sacramento buyers
- Primary, 2nd Home, Investment
- Single and Multi-Family Properties
- Variable Mortgage Insurance Options
- Low Rates & a Variety of Terms
- Renovation Programs Available
A Sacramento Conventional Home Loans adhere to Fannie Mae and Freddie Mac requirements. These loans can be used for primary residence, secondary and investment properties. Typical eligibility requirements include a minimum credit score of 620, a stable income, and a minimum down payment. Conventional Home Loans are also called Conforming loans and have capped loan limits that are updated annually on January 1st base on the median selling price within a local area.
Sacramento Jumbo Home Mortgages
Sacramento Non-Conforming Loans
- Primary & 2nd Homes
- Variety of Mortgage Programs
- Simple Qualifying for Veterans
- Investor Specific Guidelines
- Credit Score Minimums
A Sacramento Jumbo Home Loans is a mortgage that exceeds the standard conventional loan limits. These loans are widely utilized to finance luxury properties and have grown in popularity as values have continued to increase. Jumbo loans frequently include fixed-rate durations such as 30-year and 15-year and adjustable-rate alternatives. Financing of up to $3,000,000 is offered at 90% with no PMI (Private Mortgage Insurance).
Sacramento Non Qualified Home Mortgages
Sacramento Mortgages Possible
- Purchase, Refinance & Cash-out
- Primary, Secondary, Investment
- Full Doc Programs
- Alt Doc Programs
- Corporations OK
A Sacramento Non-Qualified-Home Loans, also known as a Non-QM loan, is a form of mortgage loan that does not meet the government-sponsored enterprise (GSE) requirements for a qualified mortgage. Borrowers who fail to meet the tight standards of a qualifying mortgage, such as those with irregular income or a high debt-to-income ratio, are perfect candidates for this sort of loan.
Sacramento Reverse Home Mortgages
Your Sacramento Home at Work
- Primary Residence Only
- Simple Qualifying – Equity Based
- No Credit Score Requirements
- Minimum Age 62
- Purchase, Refinance, and Cash-Out
A Sacramento Reverse Home Loans, also known as a home equity conversion mortgage, is a type of loan available to homeowners typically aged 62 or older, allowing them to convert part of the equity in their home into cash. Unlike a traditional mortgage where the borrower makes monthly payments to the lender, a reverse mortgage pays the homeowner, either through a lump sum, monthly payments, or a line of credit.
Why Sacramento is Choosing Capital Home Mortgage
Close On Time
Complete Control from Application to Funding
Low Rates & Low Fees
Direct Lender with Competitive Rates & Fees
Exceptional Service
7 Day a Week Support Application to Funding