The Best Mortgage Lenders in Mather, CA
Compare verified mortgage lenders serving Mather, California. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Mather
Featured Mortgage Lenders
American Pacific Mortgage
American Pacific Mortgage
American Pacific Mortgage is a top-rated lender with deep roots in the Sacramento region, including Mather. Founded in 1996, it has built a strong reputation for competitive rates, personalized service, and a wide range of loan options. With hundreds of positive reviews highlighting their responsiveness and expertise, they are known for guiding clients through complex mortgage processes smoothly. Their local presence in Roseville ensures accessible support for Mather residents, and their commitment to community involvement reinforces their reliability.
Loan Types:
New American Funding
New American Funding
New American Funding is a highly regarded mortgage lender with a strong local office in Sacramento that actively serves Mather. Founded in 2003, they excel in offering diverse loan products and are praised for their competitive rates and exceptional customer service. They have a track record of helping first-time homebuyers and investors alike, with numerous reviews commending their efficient processing and supportive staff. Their focus on technology and community engagement makes them a trusted choice in the area.
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Homebridge Financial Services
Homebridge Financial Services
Homebridge Financial Services is a well-established lender with a significant presence in the Sacramento metropolitan area, including Mather. Since its founding in 1999, it has garnered high ratings for its comprehensive loan offerings and dedicated customer support. Reviews often highlight their knowledgeable loan officers and streamlined application process, making home financing accessible and stress-free. Their commitment to local service and years of experience ensure they can meet diverse mortgage needs with reliability and expertise.
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Frequently Asked Questions
Common questions about mortgage lending in Mather, CA
What are the current mortgage rates like in Mather, CA compared to the national average?
Mortgage rates in Mather typically align closely with national averages, but local market competition among lenders in the Sacramento County area can sometimes result in slightly more favorable terms. Currently, rates for a 30-year fixed mortgage in Mather range between 6.5% and 7.0%, though this fluctuates with market conditions. It's advisable to compare offers from both local credit unions and national lenders serving the area.
Are there any special first-time homebuyer programs available specifically for Mather residents?
Yes, Mather homebuyers can access the CalHFA conventional loan program which offers down payment assistance to first-time buyers. Additionally, Sacramento County's Neighborhood Stabilization Program provides additional support for purchases in specific areas. These programs can be particularly beneficial given Mather's proximity to Sacramento and its status as a former military base community with ongoing development.
How does Mather's history as a former Air Force base affect mortgage lending and property values?
Mather's redevelopment from an Air Force base to a residential community means lenders may require additional due diligence regarding property history and potential environmental factors. However, the area's transformation has been successful, with stable property values that typically appreciate at rates comparable to other Sacramento County suburbs. Most lenders are familiar with Mather's unique history and don't impose additional restrictions.
What type of down payment should I expect to need when buying a home in Mather?
For conventional loans in Mather, down payments typically range from 3-20%, with many buyers opting for 5-10% down. Given Mather's median home prices (around $500,000-$600,000), this translates to $25,000-$60,000 initially. FHA loans require only 3.5% down, which can be particularly helpful for buyers in this market where housing costs have risen significantly in recent years.
Are there any local Mather or Sacramento County programs that help with closing costs?
Sacramento County offers several assistance programs that Mather residents can utilize, including the CalHFA Zero Interest Program (ZIP) which provides deferred-payment loans for closing costs. Some local lenders also offer closing cost grants or credits for buyers who use their preferred vendors. These programs can save buyers thousands of dollars in upfront costs when purchasing in the Mather area.
Nearby Cities
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Why Choose a Mortgage Lender in Mather?
Local Market Knowledge
Lenders who understand Mather'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 Mather and get competitive rates on your home loan.