Granite Bay, CA FHA Home Loans

FHA home loans continue to be a popular mortgage choice for Granite Bay, California home buyers and those looking to refinance.  In fact the FHA has been helping people own homes in cities like Granite Bay since 1934.  Simplified 2022  guidelines include easier qualifications with low down payments.  Even better Granite Bay consumers can keep their down payment in the bank with the help of the Granite Bay, CA FHA home buyer grant.  Credit scores will play a major factor in determining if and what FHA program will be available to you.

Granite Bay FHA quotes are always free, get started by calling (888)416-0920.  FHA experts are standing by near Granite Bay, CA and ready to help.  Connect with a licensed home FHA specialist, ask questions and find out if you qualify.

  • 560 FICO – 10% Down
  • 580 FICO – 3.5% Down – Call to Check Grant Eligibility
  • 620 FICO – Eligible for Forgivable Grant for Down Payment or 3.5% Down.
  • Gift funds can be used on FHA transactions if needed.

Mortgage Brokers offer Lower FHA Rates and Costs

When it comes to Granite Bay, CA FHA loans, Mortgage Brokers have more options.  Regardless of what a consumer thinks, Granite Bay, CA Mortgage Brokers offer a wholesale rate and lower costs.  Going directly to the bank or a mortgage lender is not a better option.  If you are in doubt, it is always a good idea to get a couple of quotes and compare them.  If you still don’t understand the difference between Granite Bay FHA wholesale and retail mortgage rates call (888)416-0920.  A Granite Bay, CA Mortgage Broker will be able to offer you more programs.  Banks and Lenders have set mortgage guidelines including set credit score limits.  Mortgage Brokers in Granite Bay, CA can work with all types of credit scores.

Working with Top Rated FHA Specialists

The Granite Bay FHA Mortgage team is celebrating its 25th year in business.  Our experience allows for consumer mortgage confidence especially with our FHA wholesale rate option.  We navigate consumers through the mortgage process,  explain options and find what choice works best for you. We specialize in more than just refinancing mortgage loans.  Check out consumer first time homebuyer programs, USDA home loans, VA home loans and our customer reviews.

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FHA Home Loan in Granite Bay, CA
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    FHA Benefits in Granite Bay, CA

    • Lower Rates
    • Lower Payments
    • Fixed Payments
    • Easier Qualifications
    • FHA Grants for Down Payment
    • Gift Funds Allowed

    Find your FHA Mortgage near Granite Bay, CA (888)416-0920.

    Granite Bay is a census-designated place (CDP) in Placer County, California, United States. It is part of the Sacramento–Arden-Arcade–Roseville Metropolitan Statistical Area. The population was 20,402 at the 2010 census, up from 19,388 at the 2000 census. The ZIP codes are 95746 and 95661. Granite Bay is a primarily residential suburb of Sacramento and is located just east of Roseville and west of Folsom Lake.

    Granite Bay is located at 38°44′55″N 121°10′47″W / 38.74861°N 121.17972°W / 38.74861; -121.17972 (38.748504, -121.179793).[4]
    According to the United States Census Bureau, the CDP has a total area of 21.6 square miles (56 square kilometers), of which, 21.5 square miles (56 km2) of it is land and 0.04 square miles (0.10 km2) of it (0.20 percent) is water. The place name, Granite Bay, is derived from a bay in Folsom Lake on the east side of the town.
    The entire town is underlain by granodiorite of the Penryn Pluton of Cretaceous age, hence the geological basis for the place name.