The Best Mortgage Lenders in Citrus Heights, CA
Compare verified mortgage lenders serving Citrus Heights, California. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Citrus Heights
Featured Mortgage Lenders
Safe Credit Union Mortgage Department
Safe Credit Union
Safe Credit Union stands out as one of the highest-rated mortgage lenders in Citrus Heights with deep community roots and exceptional member service. As a local credit union with multiple branches throughout the Sacramento region, they offer personalized mortgage solutions with competitive rates and lower fees than many national banks. Their mortgage team specializes in first-time homebuyer programs and provides extensive educational resources. With nearly 90 years serving the community and consistently high customer satisfaction ratings, they're known for their transparent process and local underwriting that understands the Citrus Heights housing market.
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Guild Mortgage - Roseville Branch
Guild Mortgage Company
Guild Mortgage's Roseville branch serves the Citrus Heights area with exceptional expertise and consistently earns top ratings for customer service. As a nationwide lender with strong local presence, they combine the resources of a large institution with personalized local service. Their loan officers are particularly skilled with VA loans and first-time homebuyer programs, offering extensive guidance through the entire process. With over 60 years in business and numerous industry awards, Guild provides reliable, competitive mortgage solutions with local decision-making and dedicated support throughout the Sacramento region.
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CrossCountry Mortgage - Folsom Office
CrossCountry Mortgage, LLC
CrossCountry Mortgage's Folsom office serves the Citrus Heights market with outstanding customer satisfaction and comprehensive loan programs. They excel in providing personalized mortgage solutions with competitive rates and flexible underwriting. Their local team has extensive experience with the Sacramento County housing market and offers a wide range of specialty programs including construction loans and unique financing options. With nearly 20 years of industry experience and a reputation for exceptional communication throughout the loan process, they consistently rank among the top mortgage lenders in the greater Sacramento area based on customer reviews and service quality.
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Frequently Asked Questions
Common questions about mortgage lending in Citrus Heights, CA
What are the current mortgage rates like for homebuyers in Citrus Heights, CA?
Mortgage rates in Citrus Heights typically align with national averages but can be influenced by local market competition and property types. As of recent trends, rates for 30-year fixed mortgages in the Sacramento County area range from the mid-6% to low-7% range, though this fluctuates with economic conditions. Working with a local lender who understands Citrus Heights' specific market dynamics can help you secure competitive financing.
Are there any first-time homebuyer programs specifically available in Citrus Heights?
Yes, Citrus Heights homebuyers can access several California first-time homebuyer programs including the CalHFA FHA loan program and MyHome Assistance Program, which provide down payment assistance. Additionally, Sacramento County offers its own Homebuyer Down Payment Assistance Program that Citrus Heights residents qualify for. These programs can be particularly valuable given Citrus Heights' median home prices being more affordable than many other California cities.
How does Citrus Heights' proximity to Sacramento affect mortgage lending considerations?
Citrus Heights' location in Sacramento County means lenders often consider the broader regional employment market, which can work to borrowers' advantage. Lenders may view the diverse job opportunities in the Sacramento metropolitan area as stabilizing factors for loan applications. However, property insurance requirements might be stricter due to wildfire risk assessments that consider the nearby foothill regions.
What special considerations should I know about when getting a mortgage for Citrus Heights' common property types?
Citrus Heights features many single-family homes built during the 1960s-1980s boom, so lenders may require specific inspections for older electrical systems, plumbing, or foundations. For condos and townhomes, which are prevalent in areas like Sunrise Marketplace, lenders will scrutinize HOA reserves and delinquency rates. These factors can affect both loan approval and insurance requirements in the local market.
Are there any local property tax considerations that affect mortgage payments in Citrus Heights?
Citrus Heights property taxes typically range between 1.1-1.3% of the purchase price, plus any local assessments and Mello-Roos bonds if applicable. Some newer developments in Citrus Heights may have Mello-Roos community facility districts, which can add 0.2-0.5% to your tax rate. Your lender should help you identify these additional costs during the pre-approval process to ensure accurate payment estimates.
Nearby Cities
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Why Choose a Mortgage Lender in Citrus Heights?
Local Market Knowledge
Lenders who understand Citrus Heights's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in California.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Citrus Heights and get competitive rates on your home loan.