Sacramento Home LoansCompetitive Rates & Fast Service
Serving Sacramento County with competitive home loan rates, first-time buyer programs, and down payment assistance. Licensed NMLS #2055084 with fast closings.
Get Your Sacramento Rate
Quick 3-min application
Sacramento Housing Market Insights
Stay informed with the latest market data for California's capital region real estate market.
Aditya Choksi NMLS ID: | 21st Century Lending NMLS ID: |NMLS Consumer Access
Home Loan Programs for Sacramento
Specialized lending solutions for Sacramento County's growing communities and first-time homebuyers.
First-Time Buyer Programs
Sacramento County offers excellent first-time buyer assistance
- CalHFA MyHome assistance
- USDA rural development loans
- Conventional 3% down
- FHA 3.5% down programs
VA Loans
Serving Sacramento's military families and veterans
- $0 down payment
- No PMI required
- Competitive rates
- Reuse benefit available
Conventional Loans
Flexible conventional financing with competitive rates
- As low as 3% down
- No mortgage insurance with 20% down
- Higher loan limits
- Rate and term refinancing
FHA Loans
Accessible financing with flexible requirements
- 3.5% down payment
- Lower credit score options
- Gift funds allowed
- Streamline refinancing
Sacramento Area Communities We Serve
Providing expert home loan services throughout Sacramento County and surrounding areas.
Major Cities & Communities
Sacramento Neighborhoods
What Sacramento Clients Say
Real experiences from satisfied homeowners throughout the Sacramento area.
Your Sacramento Home Loan Expert
With deep knowledge of Sacramento's growing market—from the established neighborhoods of East Sacramento to the family-friendly communities of Elk Grove and Roseville—I provide personalized home loan solutions for California's capital region.
First-Time Buyer Specialist
Expert in Sacramento County assistance programs and CalHFA grants
Competitive Rates
Access to wholesale rates and multiple lender options for best pricing
Fast Closings
Streamlined process with 20-25 day average closing time
Ready to Get Started?
Get your personalized Sacramento rate quote today
Start Your Sacramento Home Loan Today
Get pre-approved with our quick 3-minute application. No obligation, and I'll have your personalized rate quote ready within 1 hour.
Get Your Sacramento Pre-Approval
Quick application, fast results
Why Choose Us for Your Sacramento Home Loan?
- First-Time Buyer Programs: Access to Sacramento County assistance and CalHFA MyHome grants
- Local Market Expert: Deep knowledge of Sacramento neighborhoods and property values
- Competitive Rates: Access to wholesale pricing and multiple lender programs
- Fast Service: 20-25 day average closing with dedicated Sacramento processing