HomeSacramento
Sacramento Loan OfficerSacramento home loans, explained without the runaround.
I help Sacramento renters and move-up buyers find the right loan, not just any loan. Educator-first guidance for FHA, CalHFA, VA, Conventional, and Jumbo programs across the city.
Local Market
What buying in Sacramento actually looks like.
- Sacramento prices have plateaued enough that buyers earning $120K to $180K dual-income are very often more qualified than they assume.
- CalHFA down payment assistance is one of the most underused tools in the Sacramento market. Most first-time buyers qualify and don't realize it.
- Inventory shifts neighborhood by neighborhood. East Sac, Land Park, and Curtis Park behave very differently from Natomas or South Sac.
Programs That FitSee every program →
Most Sacramento buyers land in one of these.
FHA
3.5% down with flexible credit. Most common path for first-time Sacramento buyers.
CalHFA
California-funded down payment assistance. Often combines with FHA or conventional.
Conventional
3% down available. Best fit above 720 credit with stable income.
VA
$0 down for eligible veterans and active duty. No PMI, ever.
Neighborhoods I Serve
Buyers across Sacramento and nearby.
East SacramentoLand ParkCurtis ParkMidtownTahoe ParkNatomasPocket-GreenhavenSouth SacramentoArden-ArcadeNorth Sacramento
Whether you're in a one-bedroom near R Street or eyeing a starter craftsman in Tahoe Park, I'll walk you through your real numbers before you ever sign anything.