Mountain Ranch, CA First Time Homebuyer
Hundreds of first time homebuyers across Mountain Ranch, CA are ready for home ownership. Securing the right home loan doesn’t have to be hard, we have solutions for less than perfect credit and even those with little savings or down payment. To help first home buyers overcome challenges we offer more programs and the extra benefit of wholesale rates. We simplify the home buying challenges presented by 2024 Mountain Ranch mortgage guidelines. Our mission is to get you approved and into your home with payments you can afford. Even if you think you won’t qualify, our highly trained specialists will work with you closely on an individual basis to:
- Review your finances to find a payment you can afford.
- Improve your credit score if needed to qualify.
- Obtain pre-approval to shop for the home of your dreams.
- Secure a loan and purchase your new home!
First Time Homebuyer Options
First time homebuyers in Mountain Ranch, CA have so many options. With a CONVENTIONAL or FHA mortgage, borrowers can buy with as little as 3% down. For those who still lack the down payment check out our First Time Homebuyer Grant. For Veterans (VA loan) or those looking to buy in rural areas (USDA Loan) we have no money down options. New Alternative mortgage programs in 2024 give homebuyers the option to qualify even with bank statements. First time homebuyer experts are standing by near Mountain Ranch, CA and ready to help. Connect with a licensed first time homebuyer specialist, ask questions, see if you qualify, and get free quotes. Call (888)416-0920
Mortgage Brokers near Mountain Ranch, CA
When it comes to Mountain Ranch, California home loans, Mortgage Brokers have more options. Regardless of what a consumer thinks, Mountain Ranch 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 wholesale and retail mortgage rates call (888)416-0920. A Mountain Ranch, 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 Mountain Ranch can work with all types of credit scores.
Working around Credit Issues with Top Rated Specialists
The Mountain Ranch home mortgage team is celebrating its 26th year in business. Our experience allows for consumer mortgage confidence especially with first time home buyers. We navigate consumers through the mortgage process, explain options and find what choice works best for you.
Get on the Path to Home Ownership. We got your Back!
First Home Buyers Mountain Ranch, CA
Get Pre-Qualified Now
First Homebuyer Benefits in Mountain Ranch, CA
- Little to no money down
- Wholesale mortgage rates
- Bruised credit excepted
- Bankruptcies, Foreclosures, Short Sales Okay
- Grants for down payment
- Gift Funds Allowed
Find your First Home Loan near Mountain Ranch, CA (888)416-0920.
Mountain Ranch (formerly, El Dorado and El Dorado Town) is a census-designated place (CDP) in Calaveras County, California, United States. The population was 1,628 at the 2010 census, up from 1,557 at the 2000 census. The town is registered as California Historical Landmark #282.[3] The town center is quite small with fewer than 50 people living in it. The 5 mile square area surrounding the town accounts for the balance of the population.
The settlement was established during the California Gold Rush.[4] Mountain Ranch’s post office was established in 1858.[5] In 1868, it was moved to another town called El Dorado Camp 1.5 miles south, as there was already an El Dorado post office in California, El Dorado Camp became known as Mountain Ranch. Currently, there are 3 post office buildings in the town. The present one, a small post office which was built in 1956, and a post office built in 1923 which was once billed as the world’s smallest post office. The original location of the town of Mountain Ranch also has a historical landmark. The bell on the historical marker was used in the local school from 1885 to 1953. Established as Cave City School District in 1855, this school joined with the Banner District in 1946 to become the El Dorado Union Elementary School District. In 1942 the last of the gold mines closed.[4] Further economic losses took place in the 1970s, when local saw mills shuttered, and also in 1983 when the Calaveras Cement Co. closed.[4] In 2015, the town was ravaged by the Butte Fire. More than 350 homes[4] along the outskirts burned, but firefighters and local ranchers were able to save most of the downtown.