The Best Mortgage Lenders in Travis AFB, CA
Compare verified mortgage lenders serving Travis AFB, California. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Travis AFB
Featured Mortgage Lenders
Veterans United Home Loans
Veterans United Home Loans
Veterans United is widely recognized as the nation's top VA lender and has helped thousands of military families near Travis AFB secure home financing. They specialize in VA loans with deep expertise in military-specific benefits, including zero-down-payment options and streamlined refinancing. Their dedicated military-focused approach, extensive educational resources, and high customer satisfaction ratings make them an excellent choice for service members and veterans in the Travis AFB area.
Loan Types:
Travis Credit Union
Travis Credit Union
As a local credit union originally founded to serve Travis AFB personnel, Travis Credit Union has deep roots in the military community. They offer competitive mortgage rates, personalized service, and special programs for military members including VA loans with reduced fees. Their physical branches in Vacaville and surrounding communities provide convenient local access for Travis AFB families, combined with the benefits of member-owned cooperative banking.
Loan Types:
North American Savings Bank
North American Savings Bank (NASB)
NASB is a nationally recognized leader in VA lending with extensive experience serving military communities like Travis AFB. They offer competitive VA loan rates with no lender fees on many products and specialize in helping military families maximize their benefits. With a strong online platform and dedicated military lending team, they provide efficient service while maintaining the personal attention that military families deserve when navigating the home financing process.
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Frequently Asked Questions
Common questions about mortgage lending in Travis AFB, CA
Are there any special mortgage programs available for military and civilian personnel at Travis AFB?
Yes, VA loans are extremely popular and beneficial for military members, offering no down payment and no private mortgage insurance. Additionally, Solano County offers programs like the Mortgage Credit Certificate (MCC) for first-time homebuyers, which can provide a significant annual tax credit. It's wise to consult with a lender experienced in military and California-specific home loans.
What are typical mortgage rates like for homes near Travis AFB compared to the rest of California?
Mortgage rates in the Travis AFB area (Solano County) are generally competitive with national averages and can be slightly lower than in more expensive Bay Area counties. Your specific rate will depend on your credit profile and loan type, but VA loan rates are often among the most competitive available, which is a key advantage for service members.
How does being in a high-cost area like California affect my loan limits when buying a home near Travis AFB?
While Solano County is generally more affordable than neighboring counties, it still falls under the "high-cost" area conforming loan limits set by the FHFA. For 2024, the limit for a single-family home is $891,250, allowing you to use conventional financing for higher-priced homes without needing a jumbo loan, which is a significant benefit in the California market.
As a first-time homebuyer at Travis AFB, what local or state programs should I look into?
You should explore the CalHFA MyHome Assistance Program, which offers a deferred-payment junior loan to help with down payment and closing costs. Combined with a CalHFA first mortgage and the Solano County MCC program, these can make homeownership much more accessible. Many lenders in the area are well-versed in combining these benefits with a VA loan if you are eligible.
What unique closing costs or fees should I anticipate when getting a mortgage in the Travis AFB area?
Beyond standard closing costs, you should budget for specific California items like supplemental property tax bills, which are common after a home purchase. Furthermore, Solano County has specific transfer taxes and recording fees. If you are using a VA loan, remember that you cannot pay certain fees like the broker commission, which can limit your seller negotiations in this competitive market.
Why Choose a Mortgage Lender in Travis AFB?
Local Market Knowledge
Lenders who understand Travis AFB'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 Travis AFB and get competitive rates on your home loan.