The Best Mortgage Lenders in Roseville, CA
Compare verified mortgage lenders serving Roseville, California. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Roseville
Featured Mortgage Lenders
New American Funding
New American Funding
New American Funding is a top-rated mortgage lender with a strong local presence in Roseville, known for its exceptional customer service and competitive rates. Founded in 2003, the company has built a reputation for reliability and expertise in various loan types, including first-time homebuyer programs and jumbo loans. With thousands of positive reviews highlighting their responsive communication and efficient processing, they are a trusted choice for homeowners in the Sacramento region. Their commitment to community involvement and personalized service makes them a standout option for mortgage needs in Roseville.
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All Western Mortgage
All Western Mortgage Inc.
All Western Mortgage has been serving the Roseville area since 1998, earning high marks for its local expertise and customer-focused approach. With a 4.5 rating from over 150 reviews, they are praised for their transparency, competitive rates, and hands-on guidance through the mortgage process. Specializing in a wide range of loan products, including construction and government-backed loans, they cater to diverse borrower needs. Their long-standing presence in the community and commitment to ethical lending practices make them a reliable and highly recommended lender for Roseville residents.
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CrossCountry Mortgage
CrossCountry Mortgage LLC
CrossCountry Mortgage is a nationally recognized lender with a strong local footprint in the Roseville area, offering a comprehensive suite of mortgage products. Founded in 2003, they have accumulated hundreds of positive reviews for their competitive rates, fast closings, and knowledgeable staff. Their Rocklin office conveniently serves Roseville clients, providing personalized service for first-time homebuyers, investors, and refinancers. With a focus on customer satisfaction and community engagement, CrossCountry Mortgage is a top contender for those seeking a dependable and experienced mortgage partner in the region.
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Frequently Asked Questions
Common questions about mortgage lending in Roseville, CA
What are the current mortgage rates like for homebuyers in Roseville, CA?
Mortgage rates in Roseville typically align with national averages but can be influenced by local market competition. As of late 2023, rates for 30-year fixed mortgages in the area have been hovering around 6.5-7%, though this varies by lender and borrower qualifications. It's wise to compare rates from both local credit unions and national lenders serving the Sacramento region.
Are there any first-time homebuyer programs specifically available in Roseville?
Yes, Roseville homebuyers can access several California state programs like the CalHFA FHA loan with down payment assistance. Additionally, Placer County offers its own First Time Home Buyer Program with below-market interest rates. The City of Roseville itself doesn't offer direct mortgage programs but partners with state and county resources.
How does Roseville's competitive housing market affect mortgage pre-approval requirements?
Given Roseville's desirable schools and amenities, the housing market remains competitive. Sellers often require fully underwritten pre-approvals rather than basic pre-qualifications. Having a strong pre-approval from a reputable local lender can make your offer stand out, especially when competing against multiple bids in popular neighborhoods like Westpark or Johnson Ranch.
What special mortgage considerations should I know about for Roseville's newer developments?
Many new constructions in Roseville's growing areas like Placer Ranch or The Fields require using the builder's preferred lender for maximum incentives. These lenders often offer closing cost credits or rate buydowns, but it's crucial to compare these offers with outside lenders. Also, Mello-Roos taxes are common in newer Roseville communities and can affect your debt-to-income ratio.
Are there any local property tax considerations that affect mortgage payments in Roseville?
Roseville property taxes typically range from 1.1% to 1.4% of assessed value, with additional Mello-Roos fees in newer communities. Your mortgage lender will calculate these into your monthly payment through escrow. It's important to factor in these costs since they can add several hundred dollars to your monthly payment compared to base mortgage payments alone.
Nearby Cities
Explore mortgage lenders in cities near Roseville, CA
Why Choose a Mortgage Lender in Roseville?
Local Market Knowledge
Lenders who understand Roseville'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 Roseville and get competitive rates on your home loan.