Rio Linda, CA Home Loan
Hundreds of home buyers across Rio Linda, CA are ready to buy a home or refinance. Consumers shopping for mortgage rates should always get a minimum of two quotes. Knowing the difference between wholesale mortgage brokers and retail lenders or banks could save you thousands over the life of your Rio Linda home loan. When it comes to buying, we have solutions for less than perfect credit and even those with little savings or down payment. To help home buyers overcome challenges we offer more programs and the extra benefit of wholesale rates. We simplify the home buying and refinancing challenges presented by 2024 Rio Linda mortgage guidelines. Our mission is to get you approved and into the best home loan Rio Linda has to offer. 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!
Home Loan Options
When it comes to Rio Linda, California home loan options we have them all. Every day Rio Linda welcomes new home buyers while current residents refinance their homes.
Home Buyer Options
Home buyers with good credit are settling for our conventional loan with 3% down, some opt to keep the savings in the bank and get a grant to cover the down payment. Our fair and bruised credit borrowers like the FHA mortgage option, programs start with lower credit scores and FHA grant options are still an option pending FICO scores. Refinancing Options When it comes to refinancing your Rio Linda, CA home you have options. Rate and term, cash out, and debt consolidation are all common reasons to refinance a home. When mortgage rates drop consumers refinance to a lower rate to save on their payment. Some consumers who have adjustable rate mortgage loans refinance into a fixed rate. Those looking to pay off the mortgage faster will often refinance to a shorter term, example from a 30 year fixed rate to a 15 year fixed or even a 10 year fixed term. When consumers are feeling the stress of high interest credit card debt a debt consolidation refinance might be the right option. Paying off high interest debt into a low 30 year fixed rate makes for the ultimate stress reliever. Consumers are also taking cash from their equity to invest in other properties, take a well needed vacation, or even pay for college tuition. Home loan experts near Rio Linda, CA are standing by and ready to help. Connect with a licensed Rio Linda home loan specialist, ask questions, see if you qualify, and get free quotes. Call (888)416-0920
Mortgage Brokers near Rio Linda, CA
When it comes to Rio Linda, CA home loans, Mortgage Brokers have more options. Regardless of what a consumer thinks, Rio Linda 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 Rio Linda, 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 Rio Linda can work with all types of credit scores.
Working around Credit Issues with Top Rated Specialists
The Rio Linda home loan team is celebrating its 26th year in business. Our experience allows for consumer mortgage confidence especially with local home buyers and those looking to refinance. We navigate consumers through the mortgage process, explain options and find what choice works best for you.
Get on the Path to a better home loan. We got your Back!
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Home Loan Benefits in Rio Linda, CA
- No Application Fee
- Wholesale mortgage rates
- A+ Rating with the BBB
- Refinance with Cash Out
- Grants for New Buyers
- 5 Star Excellent Rating
Find your Home Loan near Rio Linda, CA (888)416-0920.
Rio Linda (Spanish: Río Linda, meaning “Pretty River”) is a census-designated place (CDP) in Sacramento County, California. It is part of the Sacramento metropolitan area. As of the 2010 census, the CDP population was 15,106, up from 10,466 at the time of the 2000 census.
The Rio Linda/Elverta community is located on part of the Rancho Del Paso Mexican land grant of 1844. In 1910, a Fruit Land Company of Minneapolis acquired 12,000 acres (49 km2) of the Grant and in 1912 the area was subdivided. Renamed Rio Linda in 1913, it was known as ‘Dry Creek Station’, a flag stop for the Northern Electric Railroad, renamed the Sacramento Northern Railway after joining the San Francisco–Sacramento system to improve service the Sacramento Valley. Two families settled in Rio Linda by 1912, three more arrived in 1913, and nine more in 1914. By 1918, approximately fifty families in the community, mostly of Scandinavian and German descent. By 1920, poultry farming had proved to be feasible in the area which was advertised throughout several Eastern states during the 1920s. the Sacramento Northern Railway stopped commuter services in 1940 redirecting focus to freight in the wake of World War II. An association was formed between Rio Linda and Elverta in 1942 as the area became more well known for its excellent poultry production.[2] Steady growth throughout the second half of the 1900s aided by its proximity to the Sacramento metropolitan area and an urban exodus known as white flight from the early-1950s to the mid-1960s.[3]