Mortgage broker serving West Sacramento, CA, offering a full range of loan programs - purchases, refinancing, investment properties, FHA, VA, jumbo, DSCR, bank statement loans, down payment assistance, and more. Personalized programs for your unique situation. 40+ years California mortgage experience.
Schedule a quick 15-minute call and we'll match you to the right program and give you the best rate for your unique situation.
We as brokers shop hundreds of lenders for you. Banks offer their own limited products.
As mortgage specialists serving West Sacramento buyers, we match your unique situation to the right program.
West Sacramento buyers benefit from comparing multiple loan options to find the best fit.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your West Sacramento purchase.
SCHEDULE FREE CONSULTATION"For over 30 years, A Good Lender has been a trusted and essential part of my family's financial journey, guiding us through more than a dozen mortgage financing transactions with professionalism, integrity and care. What sets A Good Lender apart is their reliability and ability to demystify the mortgage process."
"Rodney Roloff & The Team at A Good Lender made my house buying process a breeze. Rodney helped me to better understand the loan process and walked me through everything step by step. If your looking for a good lender. One who will help you get the best rate. I highly recommend reaching out to Rodney and his team at 'A good lender'"
"From our first home buying experience, to exploring HELOC options, and refinancing, every step we were supported with clear and accurate information. A team who's knowledgeable, prompt to respond to any questions, and who genuinely cares for their clients is a rare find in this industry."
We've simplified the mortgage maze into four clear steps. No surprises, just results.
Complete your loan application online and upload your documents. We'll review everything to make sure it's complete before submitting to our lending partners.
We submit your application to our lending partners. Their underwriters review your documents, verify your income and credit, and issue your loan approval.
Sign your final documents, get your keys, and move into your West Sacramento home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in West Sacramento starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for West Sacramento home buyers—covering purchase loans, refinance, commercial real estate, and specialized financing like bank statement and jumbo loans. Explore the general programs to compare down payment options and requirements, or apply now for a custom financing solution tailored to your West Sacramento property.
Whether you're buying your first condo or a $3M estate, we offer comprehensive financing solutions with 14-day closings. Explore our complete range of purchase loan programs below.
Refinance to lower your interest rate, shorten your loan term, or access home equity for renovations, debt consolidation, or investment opportunities. Explore all refinance programs below.
Finance commercial real estate, owner-occupied buildings, or business expansions. Explore all commercial financing programs below.
Finance new construction, renovations, or land purchases. Explore all construction and renovation programs below.
From condos and townhomes to multi-family buildings and unique property types. Explore all specialized property financing programs below.
We specialize in complex financing scenarios where traditional loans don't fit. Explore all niche programs below.
Access California's down payment assistance programs. Explore all DPA programs below.
Self-employed professionals, freelancers, and business owners. Explore all special income documentation programs below.
Speed & Certainty
Whether you're buying your first condo or a $3M estate, we offer comprehensive financing solutions with 14-day closings. Explore our complete range of purchase loan programs below.
Rate & Term, Cash-Out
Refinance to lower your interest rate, shorten your loan term, or access home equity for renovations, debt consolidation, or investment opportunities. Explore all refinance programs below.
SBA 504 & 7(a)
Finance commercial real estate, owner-occupied buildings, or business expansions. Explore all commercial financing programs below.
Build & Improve
Finance new construction, renovations, or land purchases. Explore all construction and renovation programs below.
Specialized Properties
From condos and townhomes to multi-family buildings and unique property types. Explore all specialized property financing programs below.
Complex Scenarios
We specialize in complex financing scenarios where traditional loans don't fit. Explore all niche programs below.
CalHFA & Local DPA
Access California's down payment assistance programs. Explore all DPA programs below.
Alternative Documentation
Self-employed professionals, freelancers, and business owners. Explore all special income documentation programs below.
Popular loan programs for West Sacramento homebuyers. Compare options and find your best fit.
| Loan Type | Down Payment | Credit Score | Best For |
|---|---|---|---|
| No Down Payment Program Featured | $0 (3.5% grant) | 580+ | Any buyer - grant covers FHA or Conventional down payment, forgiven after 6 payments |
| VA | $0 | No minimum | Veterans, active military, surviving spouses |
| Conventional | 3-20% | 620+ | Good credit, stable income. Max: $832,750 |
| FHA | 3.5% minimum | 580+ | First-time buyers with limited savings |
| Down Payment Assistance | $0 (grant covers 3-3.5%) | 640+ | First-time buyers needing down payment help |
| Bank Statement | 10-20% | 660+ | Self-employed buyers who write off business expenses |
| DSCR | 20-25% | 660+ | Rental income properties, real estate investors |
Questions? Call (510) 589-4096 or email info@agoodlender.com
FHA is the go-to for West Sacramento buyers with limited savings. 3.5% down, flexible credit.
Military families get zero down in West Sacramento. VA loans are the best deal for eligible veterans.
Nearly all West Sacramento homes qualify for conforming loans. Best rates available for qualified buyers.
West Sacramento buyers should check CalHFA. Zero-interest second loans cover down payment.
Self-employed West Sacramento buyers can use bank statements. Deposits count when tax returns don't show full income.
USDA zero-down loans available for eligible West Sacramento areas. Check rural designation by address.
Bridge loans available for West Sacramento transitions. Finance new purchase before selling.
Entity purchase programs for West Sacramento. LLC financing for investment properties.
West Sacramento FHA homeowners use streamline refi. Fastest path to lower monthly payments.
Nearly all West Sacramento refinances qualify as conforming. Competitive rates with quick approval.
West Sacramento veteran homeowners use IRRRL. Easiest refinance option with no appraisal.
Cash-out refinance for West Sacramento homeowners with equity. Access funds for any purpose.
West Sacramento owners can add HELOC for equity access. Credit line for improvements or reserves.
Home equity loans for West Sacramento homeowners. Lump sum with fixed monthly payments.
West Sacramento rental properties qualify with DSCR. No personal income verification needed.
West Sacramento renovation deals use fix-and-flip loans. Quick funding for rehab opportunities.
Hard money options for West Sacramento commercial. Fast financing for competitive markets.
Apartment financing in West Sacramento. Multifamily loans for 5+ unit investment properties.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for West Sacramento buyers with qualifying income.
West Sacramento buyers should check CalHFA. Zero-interest second loans cover down payment.
Local DPA strong in West Sacramento. City programs plus CalHFA can cover most down payment.
Grant programs for West Sacramento first-time buyers. Elite grants don't require repayment.
USDA zero-down loans available for eligible West Sacramento areas. Check rural designation by address.
Gift of equity for West Sacramento family transactions. Reduced price creates instant equity.
Non-occupant co-borrower helps West Sacramento buyers qualify. Add parent income to yours.
Every situation is unique. The right loan program depends on your unique situation. See what works best for you.
Questions? Call (510) 589-4096 or email info@agoodlender.com
West [Sacramento](/mortgage-loans-and-refinance-in-sacramento-ca) sits right across the river from downtown Sacramento, connected by the iconic Tower Bridge. Population is 54,163, median household income $87,044. The homeownership rate here is 57.9%, which reflects a healthy mix of owners and renters typical for an area this close to a state capital. At $480K median home price, you're paying about $100K less than comparable locations in Sacramento proper while staying within a 10-minute commute to downtown. For buyers working in Sacramento who want more house for their money without a brutal commute, this is where the math starts to make sense.
If you've got kids, you'll want to know what you're buying into. River City High School serves the area, and Westmore Oaks Elementary and Bryte School handle the younger grades. The Washington Unified School District runs the show here, and it's actually one of the major employers in town, which tells you something about stability. School ratings aren't the highest in the region, but the district has been investing in improvements and the community is engaged. When you're looking at resale value down the line, that 57.9% homeownership rate means you'll have neighbors who care about property values and school quality just like you do.
Here's the thing about West Sacramento - the neighborhoods all hover around that $480K median, but they've got completely different vibes. Southport is the master-planned option with newer construction, parks, and that suburban family feel. Conventional loans work great here, and you're looking at 3.5% down FHA or 5-10% conventional depending on your credit and income. Broderick and Bryte are the historic areas right along the Sacramento River with older homes that have character. These neighborhoods attract buyers who want walkability to the waterfront and a shorter bridge commute to downtown. The West Capitol Avenue corridor is more mixed-use with commercial activity, so you'll find some residential tucked in there at similar price points. All these areas qualify for standard conforming loans since we're well under the $766,550 limit.
The commute situation here is legitimately good. You're 9 minutes from downtown Sacramento on a typical day, which is hard to beat for this price point. Roseville is 29 minutes if you work in the corporate parks up there. The Tower Bridge and other river crossings get you into the capital without the kind of soul-crushing drive that makes you question your life choices. Local transit is available if you want to skip driving altogether. Real talk, that 9-minute commute to Sacramento is the main reason buyers choose West Sacramento over cheaper options in Elk Grove or Natomas. You're trading a bit more on the purchase price for way less time in the car and lower gas costs over the life of your loan.
The job market here is more diverse than you'd expect for a city this size. Raley's Supermarkets runs its headquarters here, which brings steady corporate jobs. Washington Unified School District is a major employer, along with Yolo County government offices. The Port of West Sacramento handles shipping and logistics, adding industrial jobs to the mix. But let's be honest, most buyers here work across the river in Sacramento - state government, healthcare, education, all the capital city jobs. That 9-minute commute means you can take advantage of Sacramento's job market while buying at West Sacramento's prices. When lenders look at your debt-to-income ratio, that matters.
Common questions from West Sacramento homebuyers and refinance clients. Can't find your answer? Book a 15-minute call with a Senior Loan Officer.
Pre-approval typically takes 24-72 hours. Full underwriting approval takes 14-21 days. We work with lenders offering express underwriting for strong borrowers who need faster closings.
Standard documents needed: pay stubs (last 30 days), W-2s (past 2 years), tax returns (past 2 years), bank statements (past 2 months), and photo ID. Self-employed borrowers need business tax returns and P&L statements. We'll provide a complete checklist for your situation.
Typical West Sacramento closing timeline: 30-45 days from accepted offer. VA/FHA loans may take slightly longer. Cash buyers close in 7-14 days. We work to meet your timeline and coordinate with all parties to close on schedule.
You have several low down payment options in West Sacramento: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many West Sacramento buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified West Sacramento buyers. We also offer our 6-Month Forgivable Grant (covers 3-3.5% down, forgiven after 6 months), CalHFA programs, and local first-time buyer assistance. Unlike CalHFA's 5-year requirements, our programs have no income limits and no first-time buyer requirement.
Yes! Zero-down options for West Sacramento buyers include: VA loans (eligible veterans), USDA loans (eligible rural areas), and our 6-Month Forgivable Grant Program combined with seller concessions for closing costs. Many West Sacramento families purchase with minimal upfront cash.
2026 Yolo County limits: FHA $764,750, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most West Sacramento properties fall within conforming limits, maximizing your financing options.
For West Sacramento's $500,000 median price: FHA is better for credit scores under 680 or down payments under 5%—it's more forgiving on DTI ratios too. Conventional is better with 5%+ down and 700+ credit (lower PMI costs). We compare both options for your specific situation.
A denial doesn't mean you can't buy in West Sacramento. We review your denial letter, identify the specific issues (credit, DTI, income documentation), and match you with lenders who have more flexible guidelines. Common solutions include FHA loans for credit flexibility, alternative documentation, or co-borrower structures.
Credit requirements by loan type: FHA accepts 580+ (or 500 with 10% down), conventional starts at 620, VA at 620+. Our zero-down grant program works with 640+. Higher scores (720+) get better rates, but we work with borrowers across the credit spectrum.
Absolutely—first-time buyers are our specialty in West Sacramento. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Yolo County, and structure your purchase to minimize upfront costs.
You still have options in West Sacramento. FHA loans accept credit scores as low as 580 (or 500 with 10% down). We also offer credit improvement strategies and can connect you with rapid rescoring services to boost your score before applying. Many buyers improve 20-50 points within 30 days.
As a mortgage broker, we shop your scenario across 50+ wholesale lenders to find the best pricing. Unlike retail banks that only offer their own rates, we show you side-by-side comparisons with identical terms. No junk fees or hidden charges—just transparent pricing.
You work directly with a Senior Loan Officer (15+ years average experience) from application through closing—not a call center. We have local Yolo County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in West Sacramento typically run 2-4% of the purchase price. On a $500,000 home, expect $10,000-$20,000 covering appraisal, title insurance, escrow fees, and prepaids. FHA allows sellers to contribute up to 6% toward your closing costs.
Pre-approval typically takes 24-72 hours. Full underwriting approval takes 14-21 days. We work with lenders offering express underwriting for strong borrowers who need faster closings.
You have several low down payment options in West Sacramento: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many West Sacramento buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in West Sacramento. We review your denial letter, identify the specific issues (credit, DTI, income documentation), and match you with lenders who have more flexible guidelines. Common solutions include FHA loans for credit flexibility, alternative documentation, or co-borrower structures.
As a mortgage broker, we shop your scenario across 50+ wholesale lenders to find the best pricing. Unlike retail banks that only offer their own rates, we show you side-by-side comparisons with identical terms. No junk fees or hidden charges—just transparent pricing.
You work directly with a Senior Loan Officer (15+ years average experience) from application through closing—not a call center. We have local Yolo County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in West Sacramento typically run 2-4% of the purchase price. On a $500,000 home, expect $10,000-$20,000 covering appraisal, title insurance, escrow fees, and prepaids. FHA allows sellers to contribute up to 6% toward your closing costs.
Standard documents needed: pay stubs (last 30 days), W-2s (past 2 years), tax returns (past 2 years), bank statements (past 2 months), and photo ID. Self-employed borrowers need business tax returns and P&L statements. We'll provide a complete checklist for your situation.
Typical West Sacramento closing timeline: 30-45 days from accepted offer. VA/FHA loans may take slightly longer. Cash buyers close in 7-14 days. We work to meet your timeline and coordinate with all parties to close on schedule.
Credit requirements by loan type: FHA accepts 580+ (or 500 with 10% down), conventional starts at 620, VA at 620+. Our zero-down grant program works with 640+. Higher scores (720+) get better rates, but we work with borrowers across the credit spectrum.
2026 Yolo County limits: FHA $764,750, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most West Sacramento properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified West Sacramento buyers. We also offer our 6-Month Forgivable Grant (covers 3-3.5% down, forgiven after 6 months), CalHFA programs, and local first-time buyer assistance. Unlike CalHFA's 5-year requirements, our programs have no income limits and no first-time buyer requirement.
Yes! Zero-down options for West Sacramento buyers include: VA loans (eligible veterans), USDA loans (eligible rural areas), and our 6-Month Forgivable Grant Program combined with seller concessions for closing costs. Many West Sacramento families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in West Sacramento. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Yolo County, and structure your purchase to minimize upfront costs.
You still have options in West Sacramento. FHA loans accept credit scores as low as 580 (or 500 with 10% down). We also offer credit improvement strategies and can connect you with rapid rescoring services to boost your score before applying. Many buyers improve 20-50 points within 30 days.
For West Sacramento's $500,000 median price: FHA is better for credit scores under 680 or down payments under 5%—it's more forgiving on DTI ratios too. Conventional is better with 5%+ down and 700+ credit (lower PMI costs). We compare both options for your specific situation.
The FHA loan limit in West Sacramento is $765,000 for 2026, which covers nearly all homes in the area since the median price is around $480,000. This makes FHA loans an excellent option for first. time buyers and those with smaller down payments, as you'll only need 3.5% down and can qualify with a credit score as low as 580.
You won't need a jumbo loan for most West Sacramento homes since the conforming loan limit is $833,000 and typical homes range from $450,000 to $600,000. Only if you're purchasing a luxury property above $833,000 would you need to consider jumbo financing, which is rare in this affordable market.
For 2026, Yolo County loan limits are $765,000 for FHA loans, $833,000 for VA loans, and $833,000 for conforming conventional loans. These limits are more than sufficient for West Sacramento's median home price of $480,000, giving buyers plenty of financing options.
Yes, VA loans are an excellent option in West Sacramento with a generous $833,000 loan limit that covers all typical homes in the area. If you're a qualified veteran or active military, you can buy with $0 down, no PMI, and competitive rates, making homeownership very accessible in this affordable market.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership immediately accessible. You can also explore CalHFA programs offering down payment and closing cost assistance, plus Yolo County housing programs that can often be stacked together for maximum benefit, which is especially helpful for first. time buyers in this price range.
You can buy a West Sacramento home with as little as 3.5% down using an FHA loan (about $16,800 on a $480,000 home) or 3% down with Conventional 97 (around $14,400). VA buyers and those using our No Money Down program can purchase with $0 down, and down payment assistance programs can help cover these costs entirely.
You can qualify for an FHA loan in West Sacramento with a credit score as low as 580, which is perfect for credit rebuilders and first. time buyers. Conventional loans typically require a 620 minimum, while VA loans often accept scores around 580. 620, making homeownership achievable even if your credit isn't perfect.
Look for a West Sacramento lender who understands the local affordable market and has strong experience with FHA loans and down payment assistance programs that are crucial in this price range. You'll want someone who can help you stack DPA programs, compare FHA versus Conventional 97 options, and guide first. time buyers through the process with clear communication and competitive rates.
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