The Best Mortgage Lenders in Dixon, CA
Compare verified mortgage lenders serving Dixon, California. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Dixon
Featured Mortgage Lenders
Paramount Residential Mortgage Group
Paramount Residential Mortgage Group
Paramount Residential Mortgage Group is a highly-rated mortgage lender with a strong local presence in Solano County, directly serving Dixon and surrounding communities. Founded in 2001, they have built an excellent reputation for offering competitive rates, personalized service, and a wide array of loan options. Their team is known for expertise in first-time homebuyer programs and streamlined processing, with consistently high customer satisfaction scores reflecting their reliability and community focus.
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American Pacific Mortgage
American Pacific Mortgage
American Pacific Mortgage is a top-rated lender with deep roots in Northern California, including service to Dixon residents. Established in 1996, they are praised for their competitive rates, extensive loan portfolio, and dedicated customer support. Their experienced loan officers provide tailored solutions for various home financing needs, backed by hundreds of positive reviews highlighting their efficiency and trustworthiness in the mortgage industry.
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Movement Mortgage
Movement Mortgage
Movement Mortgage is a reputable lender known for its fast processing and community-centric approach, serving Dixon through its Sacramento office. Founded in 2008, they offer a full range of mortgage products with a focus on transparency and customer education. Their high review counts and strong ratings stem from a commitment to simplifying the homebuying process, making them a preferred choice for borrowers seeking reliable and competitive financing options in the region.
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Frequently Asked Questions
Common questions about mortgage lending in Dixon, CA
Are there any special first-time homebuyer programs available specifically for Dixon, CA?
Yes, the City of Dixon offers the Dixon First-Time Homebuyer Program, which provides deferred-payment, low-interest loans for down payment and closing cost assistance. This program is designed for low-to-moderate income households purchasing within city limits. Additionally, Solano County offers its own Mortgage Credit Certificate (MCC) program, which can provide a significant federal tax credit for Dixon homebuyers.
How do Dixon's property tax rates affect my monthly mortgage payment?
Dixon's current property tax rate is approximately 1.1% of the assessed value, which is typical for Solano County. This means on a $500,000 home, you'd pay about $5,500 annually in property taxes, adding roughly $458 to your monthly mortgage payment when escrowed. Keep in mind that additional bonds or special assessments may slightly increase this rate depending on the specific neighborhood.
What types of homes and price ranges are most common in Dixon's mortgage market?
Dixon's housing market primarily consists of single-family homes ranging from $500,000 to $800,000, with many newer developments in the northeast areas and more established neighborhoods throughout the city. The market also includes some agricultural properties and rural lots that may require specialized rural housing loans. Recent growth has made newer construction homes particularly popular among mortgage applicants.
Are there any local lenders in Dixon who understand the specific market conditions better?
Several local credit unions and community banks, including Travis Credit Union and First Northern Bank, have strong presence in Dixon and understand the local market dynamics. These institutions often have specific knowledge of Dixon's growth patterns, neighborhood values, and can provide personalized service for your mortgage needs. Many also participate in local homebuyer education workshops.
How does Dixon's proximity to major employment centers affect mortgage qualification and lending?
Dixon's location between Sacramento and the Bay Area means lenders often consider employment stability in both regions when qualifying borrowers. Many Dixon residents commute to Travis Air Force Base, UC Davis, or Sacramento employers, and lenders are familiar with these employment patterns. This can be advantageous as diverse employment opportunities may demonstrate income stability to mortgage underwriters.
Why Choose a Mortgage Lender in Dixon?
Local Market Knowledge
Lenders who understand Dixon'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 Dixon and get competitive rates on your home loan.