Jason Whigham, Sacramento mortgage broker can help you purchase a Sacramento home
Jason Whigham is a Sacramento-based professional mortgage broker that offers many options for refinancing and mortgage loans.
We are proud to be the Sacramento's top mortgage lender. Call us today to find out why we are the best Sacramento mortgage lender. Our mortgage loan specialists are available to help you with your refinance or mortgage loan quickly and with excellent customer service.
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Sacramento, CA Professional Mortgage Brokers
We are pleased to be Sacramento’s trusted mortgage broker, from the initial inquiry through to the actual financing. We work with customers from all walks and are proud to be Sacramento's trusted mortgage broker.
Mortgages We Offer in Sacramento, CA
Finding the right property for you is not the only thing you need to consider when buying a home. Your mortgage will be with your family for many years.
It is important that you choose a loan that meets your financial needs and budget. You can save thousands of dollars over the term of your loan. To discuss all loan options, call our mortgage experts today. Different types
Fixed-Rate mortgages
Sacramento mortgage lenders are primarily interested in fixed-rate mortgages of between 10 and 30 year terms. Many borrowers prefer a 30-year fixed term mortgage. Fixed-rate mortgages that have a shorter repayment term (typically 15 years) can help you save interest costs because the loan is paid for a shorter amount. These mortgages will increase your monthly mortgage payments, and the loan term is longer, the higher they will be.
Adjustable-Rate mortgages
Fixed-rate mortgages can be more expensive that ARMs. This means that ARMs will start with lower interest rates. The interest rate will not rise over the term so you'll pay less every month. An ARM will be better if your intention is to stay in the home for less than a few years, since interest rates are subject to change according the economic environment.
FHA loans have been a popular choice among first-time buyers. FHA loans are available to buyers with lower credit scores. Acceptance of FICO scores below 620 is possible. FHA loans are open to gifts from relatives, no matter if they are related by blood or marriage. This is ideal for first-time home buyers who are dependent on family members' financial support.
If your down payment is less than 80%, the lender will require you to pay a premium for mortgage insurance (MIP). California FHA criteria require that you have not owned any property or had any interest therein within the three years prior to your application.
USDA Loans
The United States Department of Agriculture doesn’t require any downpayment and doesn’t require a minimum credit rating. Although it's not traditional credit like paying utility bills, they will still check your credit history. Buyers must prove their ability to repay the loan.
USDA loans can be used in the same manner as any other government-backed loan. A closing payment is required for the initial amount. There will be a mortgage insurance charge if the loan to value (LTV) exceeds 80 percent. This fee will be included in the monthly repayments.
First-Time Homebuyers Programs in Roseville California
CalHFA
California Housing Finance Agency, a state agency, was founded in 1975 to help low and middle-income residents afford decent housing. If you are first-time homebuyer, two programs can assist you with your downpayment.
MyHome Assistance
MyHome Assistance offers small loans that cover 5% of the loan amount. This loan program is designed for first-time buyers who need help with closing costs and down payment. This loan is not available until the property has been fully sold or paid off.
Zero Interest Program
Zip (Zero interest program) is similar to MyHome assistance. However, the loan amount does not exceed 3 percent of total mortgage. The interest rate is 0%. Deferred repayments of ZIP can be made.
VA loans have no down payment, which is the best part. For a VA loan to be approved, you must either be active duty or have been discharged in good standing. Although there is no requirement for mortgage insurance, there is an additional charge. The loan limits work the same as other programs.
Anyone over the age of 60 who is looking to get equity out of their home, but are not living in California, can apply for a California reverse mortgage. This loan cannot be repaid unless the borrower dies or moves away, so you are not likely to be evicted.
Reverse mortgages offer seniors the opportunity to save money on their home and medical costs. You can pay the equity either in one lump sum or over time.
Refinancing can be used to replace your mortgage loan. You can choose the type, length and amount of the loan.
Consider refinancing. Jason Whigham, a certified mortgage expert, can help set clear financial goals, and recommend the best way to go.
Mortgage Refinancing
Jason Whigham is available to help you buy or refinance your next Jason Whigham loan. We provide some of Sacramento's best loans to borrowers, including Granite Bay, Roseville, and Folsom.
For more information, please contact our Sacramento mortgage loan specialists today.
Sacramento down payment assistance offers Sacramento first time home buyers assistance. This assistance is open to all California residents. We provide Sacramento first-time home buyer products and services for non-Sacramento first-time home buyers. Sacramento Down payment assistance products can bridge the gap to homeownership in Sacramento as well as throughout California.
Jason Whigham is available to answer your questions about down payment assistance products
Here's how to use it for your next California home purchase.
You can save money by applying for downpayment assistance. Apply for down payment assistance today.
CalHFA is just one of the many programs that we have.
CalPlus Conventional
CalPlus FHA
The Chenoa programs
The NADA Program
Programs for financial authorities in the Golden State
Golden State Financial Authority, (GSFA), offers Platinum and OpenDoors.
You can also find many other California downpayment assistance programs for California residence.
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Roseville
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