The Best Mortgage Lenders in Suisun City, CA
Compare verified mortgage lenders serving Suisun City, California. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Suisun City
Featured Mortgage Lenders
Guild Mortgage Company
Guild Mortgage Company - Fairfield Branch
Guild Mortgage's Fairfield branch serves Suisun City with exceptional local expertise and has maintained outstanding customer satisfaction ratings. As one of the largest independent mortgage lenders in the U.S., they offer personalized service with local decision-making. Their team specializes in Solano County real estate and provides competitive rates with various loan programs including specialized options for military families and first-time homebuyers. The branch has consistently high ratings for their responsive communication and smooth closing processes.
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Travis Credit Union
Travis Credit Union - Mortgage Lending Division
Travis Credit Union has been serving Solano County residents for decades with exceptional mortgage services. As a member-owned financial cooperative, they offer highly competitive rates and personalized service to Suisun City homebuyers. Their mortgage team provides local underwriting and decision-making, ensuring faster closings and better communication. They excel at first-time homebuyer programs and offer special relationship discounts for existing members. The credit union is known for its community involvement and exceptional customer service ratings.
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Summit Funding, Inc.
Summit Funding, Inc. - Fairfield Branch
Summit Funding's Fairfield location consistently ranks among the top mortgage lenders serving Suisun City with exceptional customer satisfaction scores. They specialize in creative financing solutions and have extensive experience with Solano County's unique housing market. The local branch offers in-person consultations and maintains strong relationships with local real estate professionals. Their team is praised for transparent communication, competitive rates, and efficient processing. Summit Funding provides comprehensive loan options including specialized programs for self-employed borrowers and investment properties.
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Frequently Asked Questions
Common questions about mortgage lending in Suisun City, CA
What are the current mortgage rates like for homebuyers in Suisun City, CA?
Mortgage rates in Suisun City typically align with national averages but can be influenced by local market conditions. Currently, rates for 30-year fixed mortgages in the area range from the mid-6% to low-7% range, though this varies by lender, credit score, and loan type. It's advisable to compare rates from multiple local lenders as Solano County's competitive market can sometimes yield slightly better terms.
Are there any first-time homebuyer programs specifically available in Suisun City?
Yes, Suisun City homebuyers can access several first-time homebuyer programs including the CalHFA conventional loan program and the MyHome Assistance Program, which offers deferred-payment loans for down payment assistance. Additionally, Solano County's Mortgage Credit Certificate (MCC) program provides qualified buyers with a federal tax credit on mortgage interest. These programs are particularly valuable given Suisun City's relatively affordable housing market compared to other Bay Area communities.
How does Suisun City's proximity to Travis Air Force Base affect mortgage options?
The proximity to Travis AFB makes VA loans particularly popular and well-served in Suisun City. Many local lenders have extensive experience with VA loans and understand military relocation timelines. This also means competitive VA loan rates and streamlined processes are available, making Suisun City an attractive option for military families and veterans seeking homeownership.
What special considerations should I know about property taxes when getting a mortgage in Suisun City?
Suisun City property taxes typically range between 1.1% to 1.3% of the home's assessed value, which is important to factor into your mortgage calculations. Under Proposition 13, your tax base is established at purchase price and can only increase by up to 2% annually. Lenders in the area are familiar with these calculations and will help ensure your escrow account is properly funded for Solano County's tax schedule.
Are there any local down payment assistance programs unique to Suisun City homebuyers?
While Suisun City doesn't have city-specific programs, Solano County offers the Solano First-Time Homebuyer Down Payment Assistance Program, which provides up to $75,000 in silent second loans. Additionally, the NSP Homebuyer Assistance Program targets specific neighborhoods in Suisun City for revitalization. These programs work well with Suisun's median home prices, which are more accessible than surrounding Bay Area cities.
Nearby Cities
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Why Choose a Mortgage Lender in Suisun City?
Local Market Knowledge
Lenders who understand Suisun City'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 Suisun City and get competitive rates on your home loan.