Capital Home Mortgage Sacramento

Sacramento Homes Loans

Apply Now in Minutes
Refinance Now and Save

Sacramento California Mortgage Lender

Home Loans In Sacramento, California 

Welcome to Capital Home Mortgage Sacramento. Sacramento is California’s capital and the sixth-largest city in the state. Its real estate market has performed well, even with the fluctuations caused by the pandemic. 

As a fast-growing major city, more and more people are relocating from the super-expensive Bay Area to find reasonably priced homes in Sacramento. It means homeownership here is expected to rise shortly. 

If you’re looking to purchase a home in Sacramento, Capital Home Mortgage can help you obtain the necessary funding to seal the deal. We are a direct mortgage lender offering a wide selection of home loan programs for Sacramento residents. As long as you meet the eligibility requirements, you can expect a streamlined mortgage loan process from application to funding. 

Things You Can Do To Improve Your Home Loan Eligibility In Sacramento 

  • Enhance Your Credit Score

Having an excellent credit score is a surefire way to boost your chances of getting approved for a home loan. To achieve that, you’ll need to be responsible for your credit. This means making your monthly repayments on time, paying the amounts due in full, and maintaining a credit utilization ratio below 30%, among others. 

Aim for a credit score over 670 as this is the threshold set by most credit bureaus. That being said, some loans may have a lower credit score requirement, so it’s worth exploring those as well. For instance, the minimum FICO credit score for FHA home loans has been set at 580. 

  • Opt For A Joint Home Loan

If you have multiple members in your family who are earning steady incomes, consider applying for a joint home loan with them. For instance, you could file a joint application with your spouse or parent. It considerably improves your home loan eligibility because it means stronger security for the loan. 

Additionally, co-borrowing divides the repayment burden. If your co-borrower has a good credit score, you may be able to obtain the loan at more favorable terms. 

  • Clear Your Debt Obligations

When evaluating your Sacramento home loan application, lenders will consider your other debt obligations. They do so by checking your Debt-to-Income ratio. This ratio is expressed as a percentage and measures how your income is channeled towards debt repayments. Good DTI back-end ratio should not exceed 45%. 

  • Save Up For A Higher Down Payment

Most home loans are not designed to finance 100% of the loan amount. You’ll need to pay a down payment, and the lender will finance the remaining amount. The higher your down payment, the lower the loan amount will be, which is a good thing because it effectively lowers how much you’ll need to repay. 

  • Choose The Right Lender

If you are new to credit, you might be better off working with a mortgage lending company than with a bank. These companies have in-house models that allow for flexible underwriting, competitive interest rates, and lower fees. 

Sacramento, California Mortgage Lender 

Are you looking to obtain a home loan in Sacramento? Capital Home Mortgage is here for you. 

Whether you’re a first-time borrower exploring FHA loans, a seasoned investor considering a Conventional loan, a borrower in good credit standing looking to obtain a Jumbo loan, Capital Home Mortgage has the home loan program for your needs. 

If you are a veteran in need of a VA home loan, we can help you secure the financing you need to achieve your dreams of becoming a homeowner in Sacramento. 

Get Your Home Loan In Sacramento, CA

Buying a home in Sacramento doesn’t have to be a nerve-wracking ordeal. Let our mortgage experts work with you today to help ensure an enjoyable home buying experience. Give us a call at (323) 767-8899 to get started.

Why Sacramento is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Sacramento Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Sacramento Customer Service

7  Day a Week Support from Application to Final Mortgage Payment. 

Sacramento Mortgage Rates

Capital Home Mortgage Sacramento is dedicated to offering Great Sacramento Mortgage Rates. 

Call now to speak with a Loan Officer or request a no obligation custom rate quote.

Sacramento California Mortgage Loans

Sacramento Home Purchases

Buying a Sacramento Home?

  • Primary, 2nd Home, Investment
  • Low Rates & Low Fees
  • Conventional, FHA, VA, USDA
  • Jumbo, Renovation, Manufactured

Sacramento Renovation Home Loans

Sacramento Rehab Loans

  • Remodel, Renovate or Repairs
  • FHA 203K Streamline or Full
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

Sacramento FHA Home Loans

1st Time Sacramento Homebuyers

  • Smaller Down Payment
  • Flexible Underwriting
  • Higher Debt to Income Ratios
  • Lower Credit Scores – Down to 500

Sacramento VA Home Loans

100% Loans for Sacramento Veterans

  • Simply Qualifying for Veterans
  • No Down Payments Requirements
  • Credit Scores Down to 500
  • Manual Underwriting Allowed

Sacramento Conventional Home Loans

Flexibility for Sacramento Buyers

  • Primary, 2nd Home, Investment
  • Great Rates & Low Fees 
  • Single Family and Multi-Family
  • Renovation Loan Programs

Sacramento Jumbo Home Loans

Great Sacramento Rates

  • Primary Residence and 2nd Homes
  • Higher Loan Amounts – 3 Million
  • Great Interest Rates
  • Investor Specific Guidelines

Sacramento USDA Home Loans

Sacramento Rural Properties

  • Rural Properties Only
  • Primary Residence Only
  • New Manufactured Homes Allowed
  • Closing Costs Can Be Rolled In

Sacramento Native American Loans

Sacramento HUD 184 Loans

  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed

Sacramento Manufactured Home Loans

Sacramento Home Loans

  • Existing Purchase or Refinance
  • One Time Close Combo Land & Home
  • Lock Rate Before Completion
  • FHA, VA, USDA, & Native Loans

Sacramento Reverse Mortgages

Your Sacramento Home at Work

  • Primary Residence Only
  • Simple Qualifying – Equity Based
  • Credit Scores Not Applicable
  • Minimum Age 62

Sacramento Cash-Out Refinance

Sacramento Equity Refinance

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Debt Consolidation
  • Streamline Options Available

Sacramento Mortgage Refinance

Sacramento Rate & Term Refinance

  • Purchase, Rate and Term & Cash-out
  • Primary, Secondary and Investment
  • Full Doc & Bank Statements Programs
  • Corporations OK

Sacramento California Mortgage Team

Dale Gremillion

Managing Director
NMLS 210325

John Kardow

Loan Officer
NMLS 210892

Amy Bird

Loan Officer
NMLS 169849

Cristina Roca

Loan Officer
NMLS 1926089

Sacramento Mortgage Company Reviews

California Cities

Los Angeles Home Loans

San Diego Home Loans

San Jose Home Loans

San Francisco Home Loans

Fresno Home Loans

Sacramento Home Loans