Sacramento Mortgage Lender

As an independent mortgage broker licensed in California, Bayview Residential Brokerage helps Sacramento buyers and homeowners shop the whole market instead of a single bank's rate sheet. As the state capital, Sacramento offers relative affordability compared to the Bay Area, drawing first-time buyers, families and remote workers. We match each borrower with the lender and program that fits, then handle the loan from pre-approval to closing.

Below is a plain-English guide to buying or refinancing in Sacramento in 2026: the market, Sacramento County loan limits, the programs available, down payment assistance, and the neighborhoods we serve.

The Sacramento housing market in 2026

Sacramento is one of California's more attainable metros. As of mid-2026 the average Sacramento home value is around $480,000, down about 1.4% year over year, which keeps most homes within conforming and even FHA limits and gives buyers real negotiating room. Steady state-government employment and continued in-migration from higher-cost areas support the market.

Because Sacramento County uses the baseline conforming limit and prices are moderate, most buyers here avoid jumbo financing, and FHA, VA and down payment assistance stretch a budget well. The lender you are placed with drives your monthly cost, which is where shopping many lenders pays off.

Loan programs for Sacramento buyers

Conventional loans. The default for buyers with solid credit, with as little as 3% down for qualified first-time buyers.

FHA loans. A lower 3.5% down payment and flexible qualifying, popular with first-time and credit-building buyers. The 2026 FHA limit in Sacramento County is $764,750 for a single-family home.

VA loans. Eligible veterans and active-duty service members can buy in Sacramento with a zero-down VA loan. Zero down payment and no monthly mortgage insurance for those who qualify.

USDA loans. Zero-down financing for eligible rural communities in the region, for buyers within the income limits.

Jumbo loans. Financing above the conforming limit for higher-priced homes. In Sacramento this is uncommon, as most homes fall within the conforming limit.

Reverse mortgages. For homeowners 62 and older who want to convert equity into cash without a monthly mortgage payment.

Down payment assistance for Sacramento buyers

California buyers have help with the down payment through the California Housing Finance Agency (CalHFA). Programs such as the MyHome Assistance Program provide a deferred-payment junior loan toward the down payment or closing costs when paired with a CalHFA first mortgage, and CalHFA periodically offers shared-appreciation help like the Dream For All program when funding is available. Eligibility depends on income, credit and homebuyer education. We check which programs fit Sacramento buyers and coordinate the assistance with your loan.

Property taxes and Proposition 13

California property taxes work differently than most states thanks to Proposition 13. Your tax is based on the home's assessed value, which generally starts at your purchase price, plus a base rate of about 1% and any local voter-approved measures, and annual increases in assessed value are capped at 2%. That predictability helps with long-term budgeting. When we prepare your pre-approval, we include realistic tax and insurance estimates so your monthly number is the real one.

Buying across Sacramento

East Sacramento and Land Park are established, sought-after neighborhoods with character homes, Midtown and downtown offer a walkable urban lifestyle and condos, and growing areas like Natomas and North Sacramento provide more affordable options that pair well with FHA and down payment assistance. We match the loan to the neighborhood and property type.

How the process works with Bayview

1. Pre-approval. We review your income, credit and goals, then issue a pre-approval so you can shop with confidence and make strong offers.

2. Shop and compare. Once you are under contract, we shop your loan across our lender network and bring back the most competitive fit on rate and fees.

3. Underwriting. We manage document collection and work the file through underwriting, keeping you and your agent updated.

4. Closing. Most purchases close in about 30 days from contract. You sign, fund and get the keys.

Refinancing your Sacramento home

Already own in Sacramento? Refinancing can lower your rate or payment, shorten your term, or let you tap equity through a cash-out refinance for a remodel or to consolidate debt. With how much California home values have risen over the past several years, many local homeowners have significant usable equity. We run the numbers both ways and only recommend a refinance if it actually moves you forward.

Sacramento mortgage FAQs

What is the 2026 conforming loan limit in Sacramento?

Sacramento County uses the baseline conforming limit of $832,750 for a single-family home in 2026. Most Sacramento homes fall within it.

What is the FHA loan limit in Sacramento?

The 2026 FHA limit in Sacramento County is $764,750 for a single-family home.

Do you offer FHA, VA and USDA loans in Sacramento?

Yes. FHA, VA and USDA loans for eligible borrowers, along with conventional, jumbo and reverse mortgages.

What down payment assistance is available in Sacramento?

California's CalHFA programs, including MyHome, can help qualified buyers with down payment and closing costs.

How does Proposition 13 affect my property taxes?

Your tax is based on your purchase price plus about 1% and local measures, with annual assessed-value increases capped at 2%.

How long does it take to close in Sacramento?

Most purchase loans close in about 30 days once you are under contract.

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Nearby cities we serve

Stockton  ·  Oakland  ·  San Francisco  ·  San Jose
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Plan your numbers

Affordability calculator  ·  Mortgage calculator  ·  Refinance calculator