Providing comprehensive home financing across the City of Sacramento, supporting state workers, healthcare providers, and relocating families with ideal loan options.
Serving Midtown, East Sacramento, Land Park, Curtis Park, Greenhaven, and Natomas.
Statutory Verification: Sacramento MSA: Conventional limit is the national baseline ($832,750); HUD FHA limit is $764,750. (Source: 2026 FHFA Conforming & HUD FHA limits) Federal baseline conforming limit is $832,750; maximum high-cost ceiling is $1,249,125. VA financing provides 0% down with full entitlement without statutory county loan caps.
Explore primary purchase, refinancing, and equity loan programs with direct underwriting support.
Competitive 30-year and 15-year fixed-rate financing for purchase and refinancing throughout California.
Government-backed financing featuring flexible credit criteria and low 3.5% down payment options.
Zero down payment mortgage options and no monthly PMI for California active-duty military and eligible veterans.
Financing for California luxury and high-cost properties exceeding baseline FHFA conforming limits.
Rate-and-term and cash-out refinancing options to lower monthly payments or access property equity.
Access accumulated home equity for renovations, investments, or liquidity without altering your primary rate.
Dedicated guidance, down payment education, and streamlined pre-approvals for new California homebuyers.
Model estimated monthly principal, interest, taxes, and insurance payments for California properties.
Common home financing questions for borrowers in Sacramento, California.
Yes. We provide conventional, high-balance conforming, and jumbo loans for character homes and modern builds across Sacramento.
We are deeply experienced with State of California civil service payroll, longevity pay, and pension structures, providing smooth and accurate W-2 income verification.
Yes. Buyers in Natomas, Greenhaven, and surrounding Sacramento neighborhoods can purchase homes with 3% down conventional loans or 3.5% down FHA loans.
Explore conforming limits, property tax context, and all programs available across Sacramento County.
Get pre-approved online or speak directly with our Beverly Hills lending team. Transparent rates, zero origination surprises, and direct California loan officers.