The Best Mortgage Lenders in Fairfield, CA
Compare verified mortgage lenders serving Fairfield, California. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Fairfield
Featured Mortgage Lenders
Travis Credit Union Mortgage Department
Travis Credit Union
As one of the largest credit unions in Northern California and deeply embedded in Solano County, Travis Credit Union has served Fairfield residents for decades with exceptional mortgage services. They consistently receive outstanding ratings for their personalized service, competitive rates, and deep understanding of local real estate markets. Their mortgage specialists provide comprehensive guidance through the entire home buying process, with particular expertise in VA loans given their proximity to Travis Air Force Base. Members praise their transparent process, local decision-making, and community-focused approach.
Loan Types:
Guild Mortgage - Fairfield Office
Guild Mortgage Company
Guild Mortgage maintains a strong physical presence in Fairfield with a dedicated local team that understands the specific needs of Solano County homebuyers. With over six decades of experience, they've built a reputation for exceptional customer service and flexible loan programs. Their local loan officers are praised for their responsiveness and expertise in navigating complex mortgage scenarios. Guild offers a wide variety of loan products and has particularly strong programs for first-time homebuyers and veterans, with many customers noting their efficient processing and clear communication throughout the loan process.
Loan Types:
Movement Mortgage - Solano County
Movement Mortgage, LLC
Movement Mortgage has established a strong presence in the Fairfield area with local loan officers who specialize in Solano County real estate. While newer than traditional lenders, they've rapidly gained recognition for their innovative technology and streamlined processes that often result in faster closings. Customers consistently praise their transparent communication and competitive rates. Their local team has deep knowledge of Fairfield's housing market and maintains strong relationships with local real estate professionals. Movement is particularly noted for their community involvement and dedication to making the mortgage process efficient and stress-free.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Fairfield, CA
What are the current mortgage rates like for homebuyers in Fairfield, CA?
Mortgage rates in Fairfield typically align with national averages but can be influenced by local market competition and housing demand in the Solano County area. Currently, rates for 30-year fixed mortgages in Fairfield range from the mid-6% to low-7% range, though this varies by lender, loan type, and borrower qualifications. It's advisable to compare rates from multiple local lenders as some may offer special programs for Fairfield's specific market conditions.
Are there any first-time homebuyer programs specifically available in Fairfield?
Yes, Fairfield homebuyers can access several first-time buyer programs including the CalHFA conventional loan program and the MyHome Assistance Program, which offers deferred-payment junior loans for down payment assistance. Additionally, the City of Fairfield occasionally offers local down payment assistance programs for income-qualified buyers, though funding can be limited. These programs are particularly valuable given Fairfield's median home prices being more accessible than many other Bay Area cities.
How does Fairfield's proximity to Travis Air Force Base affect mortgage lending options?
Fairfield's location near Travis AFB creates unique opportunities for military personnel and veterans through VA loans, which are widely used in the area. Many local lenders have specialized experience with VA loans and understand the specific needs of military buyers. Additionally, some lenders offer flexible underwriting for PCS moves and may provide rate discounts or specialized programs for service members stationed at Travis.
What special considerations should I know about getting a mortgage for Fairfield's newer developments like Paradise Valley or Rolling Hills?
When purchasing in Fairfield's newer developments, many builders offer preferred lender incentives including closing cost credits or rate buydowns. However, it's important to compare these offers with independent local lenders who may provide better terms. Also, some newer developments in Fairfield may have Mello-Roos community facilities districts, which can affect your debt-to-income ratio calculations and overall housing costs.
How do property taxes in Fairfield impact mortgage qualification and payments?
Fairfield property taxes typically range between 1.1% to 1.3% of the purchase price, depending on specific location and any additional assessments or Mello-Roos fees. Lenders factor these taxes into your debt-to-income ratio calculations, which can affect your borrowing capacity. It's important to work with a local mortgage professional who understands Fairfield's specific tax districts and can accurately estimate your total monthly payment including taxes and insurance.
Nearby Cities
Explore mortgage lenders in cities near Fairfield, CA
Why Choose a Mortgage Lender in Fairfield?
Local Market Knowledge
Lenders who understand Fairfield'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 Fairfield and get competitive rates on your home loan.