The Best Mortgage Lenders in Knights Landing, CA
Compare verified mortgage lenders serving Knights Landing, California. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Knights Landing
Featured Mortgage Lenders
Jim Ott
Guild Mortgage Company - Woodland
Jim Ott at Guild Mortgage's Woodland office is one of the highest-rated mortgage professionals serving the Knights Landing area, with exceptional customer reviews highlighting his expertise in rural and agricultural property financing. Guild Mortgage has been in business for over 60 years and specializes in serving California's Central Valley communities. They offer comprehensive loan options including USDA loans which are particularly relevant for Knights Landing's rural character. Their local Woodland location provides convenient in-person service while maintaining strong digital capabilities for streamlined processing.
Loan Types:
Mike Hlad
Hlad Capital, Inc.
Hlad Capital is a highly-rated Sacramento-based mortgage broker with extensive experience serving Yolo County, including Knights Landing. With nearly two decades in business, they've built a strong reputation for competitive rates and personalized service for both purchase and refinance transactions. Their broker model allows them to shop multiple lenders to find the best terms for clients. They specialize in working with first-time homebuyers, investment properties, and complex financial situations, with many reviews praising their responsiveness and attention to detail throughout the loan process.
Loan Types:
David Peterson
Golden 1 Credit Union
As California's largest credit union, Golden 1 has served the Sacramento Valley and surrounding areas including Knights Landing for over 85 years. They offer highly competitive mortgage rates for members and have a strong presence throughout the region. Their mortgage specialists are particularly knowledgeable about Central Valley property values and market conditions. Golden 1 provides exclusive benefits to members including lower closing costs, relationship discounts, and local underwriting expertise. They consistently receive high marks for customer service and offer a full range of mortgage products with the stability of a long-established financial institution.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Knights Landing, CA
What are the current mortgage rates like in Knights Landing, CA?
Mortgage rates in Knights Landing typically align with national averages but can be slightly higher than in major metropolitan areas due to the rural nature of Yolo County. As of late 2023, rates for 30-year fixed mortgages generally range between 6.5-7.5%, though this varies by lender and borrower qualifications. Local credit unions like Yolo Federal Credit Union often offer competitive rates for area residents.
Are there any first-time homebuyer programs specific to Knights Landing?
Yes, Knights Landing residents can access Yolo County's First-Time Homebuyer Program which offers down payment assistance and favorable loan terms. Additionally, the California Housing Finance Agency's CalHFA programs are available statewide and particularly beneficial in affordable markets like Knights Landing. These programs can provide up to 3.5% of the purchase price in down payment assistance.
How does Knights Landing's agricultural setting affect mortgage lending requirements?
Lenders may have additional requirements for properties near agricultural land, including enhanced environmental assessments and verification that the property isn't subject to agricultural preservation restrictions. Properties with well water and septic systems, common in Knights Landing, typically require additional inspections and water quality testing before loan approval.
What types of properties are most common in Knights Landing's mortgage market?
Knights Landing's housing stock consists mainly of single-family homes, many dating from the early to mid-20th century, along with some manufactured homes and rural properties. Lenders may require additional inspections for older homes, and financing for manufactured homes often requires them to be on permanent foundations and meet specific age requirements.
Are there any local mortgage considerations for Knights Landing's flood zone areas?
Yes, portions of Knights Landing are in designated flood zones, which requires flood insurance for most mortgage loans. Lenders will order a flood certification during the loan process, and borrowers should budget for annual flood insurance premiums of $500-$1,000+ depending on the property's specific flood risk designation and elevation certificate.
Why Choose a Mortgage Lender in Knights Landing?
Local Market Knowledge
Lenders who understand Knights Landing'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 Knights Landing and get competitive rates on your home loan.