The Best Mortgage Lenders in Nice, CA
Compare verified mortgage lenders serving Nice, California. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Nice
Featured Mortgage Lenders
Michael Dunlap
CrossCountry Mortgage
CrossCountry Mortgage is a top-rated national lender with strong local presence in Sonoma County and serving the Nice, CA area. Michael Dunlap's team receives exceptional reviews for their personalized service, competitive rates, and expertise in rural and lakefront properties. They specialize in helping buyers navigate the unique aspects of Clear Lake area properties and offer comprehensive guidance through the entire mortgage process with exceptional communication and attention to detail.
Loan Types:
Member Services
Redwood Credit Union
Redwood Credit Union is a highly respected regional financial institution serving Lake County including Nice, CA. With decades of community banking experience, they offer competitive mortgage rates and exceptional member service. Their local loan officers understand the North Bay and Clear Lake region's unique real estate market. RCU receives outstanding reviews for their personalized approach, transparent process, and commitment to helping members achieve homeownership with various loan programs tailored to individual needs.
Loan Types:
Santa Rosa Branch
Summit Funding
Summit Funding is a well-established mortgage lender with a strong Santa Rosa presence that serves the entire North Bay region including Nice, CA. With nearly three decades of experience, they've built a reputation for reliable service and competitive loan products. Their local loan officers have extensive knowledge of Lake County's unique property types and market conditions. Customers consistently praise their responsive communication, efficient processing, and ability to close loans on time with competitive rates and terms.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Nice, CA
What are the current mortgage rates like in Nice, CA compared to the rest of California?
Mortgage rates in Nice, CA are generally competitive with statewide averages, but can be slightly influenced by the rural nature of Lake County. Since Nice is a smaller community, working with lenders familiar with the area is beneficial. Current rates typically range from the mid-6% to low-7% for a 30-year fixed mortgage, but it's essential to get personalized quotes.
Are there any down payment assistance programs available for homebuyers in Nice?
Yes, homebuyers in Nice may be eligible for the California Housing Finance Agency (CalHFA) MyHome Assistance Program, which offers a deferred-payment junior loan for down payment and closing costs. Additionally, Lake County may have local programs or grants, so it's wise to consult with a local housing counselor or mortgage advisor who is knowledgeable about county-specific opportunities.
How does the Clear Lake environment and flood zone designation affect the mortgage process in Nice?
Properties in Nice near Clear Lake may be in a FEMA-designated flood zone, which can impact your mortgage. Lenders will require flood insurance if the property is in a high-risk zone, adding to your monthly housing costs. It's crucial to review the property's flood certification early in the process and factor in this additional expense.
What types of properties are most common for mortgages in Nice, and does this affect loan options?
Nice features a mix of single-family homes, cabins, and manufactured homes, many of which are older. Financing for manufactured homes can be more complex and may require a specialized loan product like an FHA or VA loan if the home is not on a permanent foundation. For standard site-built homes, conventional, FHA, and VA loans are all readily available.
As a first-time homebuyer in Nice, what special considerations should I be aware of?
First-time homebuyers in Nice should explore CalHFA's first-time homebuyer loans, which often feature lower interest rates and down payment assistance. Given the area's modest median home prices, these programs can be particularly advantageous. It's also important to get a thorough home inspection, as many homes in this older community may have maintenance needs that could affect your long-term budget.
Why Choose a Mortgage Lender in Nice?
Local Market Knowledge
Lenders who understand Nice'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 Nice and get competitive rates on your home loan.