What types of home loans do you offer?
We offer a variety of loan options including Conventional, FHA, VA, USDA, Jumbo, and Reverse Mortgages. Whether you're a first-time homebuyer or refinancing your current loan, we help you find the right fit for your needs.
Where is Pacific National Lending located?
Our office is located at 2377 Gold Meadow Way, Ste 100, Gold River, CA 95670 — serving Rancho Cordova, Sacramento, Folsom, Lincoln, and surrounding communities.
Are you a direct lender or a mortgage broker?
We are a local mortgage broker with access to multiple lenders, which allows us to shop around and find the most competitive rate and loan program for your unique situation.
How do I get pre-approved for a home loan?
Simply reach out to our team to start the pre-approval process. We'll review your credit, income, assets, and employment to determine how much home you can afford.
What’s the difference between pre-qualification and pre-approval?
Pre-qualification is an estimate of what you might qualify for based on basic info. Pre-approval is a more formal process where we verify your finances and issue a letter sellers can take seriously.
How much do I need for a down payment?
Down payment requirements vary depending on the loan. FHA loans may require as little as 3.5%, VA and USDA loans offer 0% down options, and conventional loans can start at 3% or more.
Do you work with first-time homebuyers?
Absolutely! We specialize in helping first-time buyers navigate the process with clarity and confidence. We’ll walk you through every step, from pre-approval to closing.
What credit score is needed to qualify for a mortgage?
Every loan program has different requirements, but generally, you’ll want a credit score of at least 620 for conventional loans. FHA loans can go lower, and VA/USDA loans have flexible guidelines.
Can I refinance if I already have a mortgage?
Yes! Whether you're looking to lower your interest rate, change your loan term, or cash out equity, we offer smart refinance options for homeowners throughout California.
Do you offer VA loans for military veterans?
Yes, we proudly serve veterans and active-duty service members with VA loan solutions that offer zero down payment and favorable terms.
Are USDA loans available in my area?
If you're purchasing a home in an eligible rural or suburban area near Sacramento, you may qualify for a USDA loan. We can check eligibility and guide you through the process.
What’s the difference between a fixed-rate and adjustable-rate mortgage?
A fixed-rate mortgage has a stable monthly payment, while an adjustable-rate mortgage (ARM) may start lower but can fluctuate over time. We'll help you decide which is right for your goals.
Can I get a mortgage with self-employment income?
Yes! We work with self-employed borrowers regularly. We’ll review your tax returns, bank statements, and business income to find a loan program that fits.
What is a Jumbo loan and do I need one?
A Jumbo loan is used when your loan amount exceeds conforming loan limits (often over $806,500 in California). We’ll let you know if your purchase falls into that category and find a solution.
How long does the mortgage process take?
While timelines vary, the average mortgage process takes about 30 days from application to closing. We can get them done in under 20 days if necessary. We aim to keep things smooth and efficient from start to finish.
Are you licensed and regulated?
Yes, we are a Fair Housing Lender, fully licensed with DRE #01778208 and NMLS #115924. Transparency and ethical lending are core to our business.
Do you help with mortgage options for ITIN borrowers?
Yes, we offer specialized programs for borrowers who have an ITIN instead of a Social Security Number. These programs are designed to help more people achieve homeownership.
Can I apply online or do I need to come in?
You can absolutely apply online! We make the mortgage process easy and convenient with digital applications and remote communication—though you're always welcome to stop by or call us.
Do you charge any upfront fees to apply?
No, there are no upfront fees to apply. We’ll review your options first and help you make an informed decision before any costs come into play.
Why choose Pacific National Lending over big banks?
We’re local, accessible, and focused on you—not shareholders. With personalized service, fast response times, and access to a wide range of lenders, we tailor the mortgage experience to meet your needs.
