The Best Mortgage Lenders in Yolo, CA
Compare verified mortgage lenders serving Yolo, California. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Yolo
Featured Mortgage Lenders
Golden 1 Credit Union Mortgage Department
Golden 1 Credit Union
Golden 1 Credit Union is one of California's largest and most trusted credit unions with extensive experience serving the greater Sacramento region including Yolo County. They offer competitive rates with low closing costs and exceptional member service. Their mortgage team specializes in first-time homebuyer programs and provides personalized guidance through the entire home financing process. With deep community roots and a reputation for financial stability, they consistently rank among the top mortgage lenders in Northern California.
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Guild Mortgage - Woodland Branch
Guild Mortgage Company
Guild Mortgage's Woodland office provides exceptional local service to Yolo County homebuyers with highly personalized mortgage solutions. As a top-rated national lender with strong community presence, they offer innovative loan programs including low down payment options and specialized first-time buyer assistance. Their local loan officers have extensive knowledge of the Yolo County market and provide hands-on guidance from application to closing. Guild is renowned for their responsive service and ability to handle complex financing scenarios.
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CrossCountry Mortgage - Sacramento
CrossCountry Mortgage, LLC
CrossCountry Mortgage's Sacramento office serves Yolo County with comprehensive mortgage solutions and exceptional customer service. They are particularly strong in competitive rate offerings and streamlined digital processes while maintaining personalized local support. Their experienced loan officers specialize in navigating California's unique housing market and provide tailored solutions for diverse financial situations. With a reputation for closing loans efficiently and excellent communication throughout the process, they've built strong relationships with real estate professionals throughout the region.
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Frequently Asked Questions
Common questions about mortgage lending in Yolo, CA
What are the current mortgage rates like in Yolo, CA compared to the rest of California?
Mortgage rates in Yolo are generally competitive with statewide averages, but can be slightly higher than in major metro areas due to the rural nature of parts of the county. Current rates typically range from 6.5% to 7.5% for 30-year fixed loans, but vary by lender and borrower qualifications. Working with a local lender familiar with Yolo County can help you secure the best available rate.
Are there any first-time homebuyer programs specifically for Yolo County residents?
Yes, the Yolo County Housing Department offers the Mortgage Credit Certificate (MCC) program, which provides a federal tax credit for first-time homebuyers. Additionally, the California Housing Finance Agency's CalHFA programs are available to Yolo residents, offering down payment assistance and favorable loan terms for qualifying buyers.
How does Yolo County's agricultural zoning affect mortgage lending for rural properties?
Agricultural zoning can complicate mortgage financing, as many conventional lenders have restrictions on non-income producing farmland. For properties with significant acreage, you may need specialized agricultural lenders or USDA loans. It's crucial to work with a lender experienced in Yolo's unique mix of urban and rural properties.
What special considerations should I know about when getting a mortgage in Yolo's competitive college town markets like Davis?
In Davis and other college-adjacent areas, lenders may have stricter requirements for investment properties and rental units. They'll carefully evaluate your debt-to-income ratio and may require larger down payments if the property will be used as a student rental. Local lenders understand the seasonal market fluctuations driven by the academic calendar.
Are there any local down payment assistance programs available for Yolo County homebuyers?
Yolo County offers the Homebuyer Down Payment Assistance Program through its Housing Department, providing deferred-payment loans to eligible low and moderate-income buyers. The City of Woodland and City of West Sacramento also have their own assistance programs, each with specific income limits and property location requirements.
Why Choose a Mortgage Lender in Yolo?
Local Market Knowledge
Lenders who understand Yolo'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 Yolo and get competitive rates on your home loan.