Mortgage Loan Options

At Primary Residential Mortgage, we offer a wide range of loan options to our local borrowers. We have a full list of 30- and 15-year fixed rate mortgages for those looking to go the traditional route, along with adjustable-rate mortgages (ARMs) for those interested. We also feature programs like manufactured housing loans and 2/1 buy down mortgages.

In addition, we can help line you up with several different government-backed mortgage loan options:

Disaster Relief Loan

If you’ve become a recent victim of a natural disaster that has destroyed your home, you may want to take advantage of our Sacramento disaster relief loan. This home loan option enables you to purchase a property without any down payment.

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HARP Home Loan

HARP, short for Home Affordable Refinance Program, lets qualified borrowers who don’t have enough home equity to refinance at a lower interest rate. Consider applying for a HARP home loan in Sacramento if you are unable to qualify for traditional refinancing.

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Reverse Mortgage

Our reverse mortgage program allows you to turn the equity of your home into cash. Use the resulting funds to pay your taxes, debts, medical bills, and everyday living expenses. This program can be ideal for homeowners in or nearing the retirement phase of life. It can provide ample peace of mind during these years of your life.

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Low-Credit Home Loans

Our low-credit home loans are great for people who want to buy a home but have an average or low credit score. A few of the mortgage programs you can consider are FHA and USDA loans.

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Pre-qualification is the first step in the mortgage application process. Getting pre-qualified means that you’ve already provided the lender with basic financial information to determine how much you can afford when buying a home. This can make the entire home purchase process much smoother.

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First-Time Homebuyer

Individuals seeking to buy a home in the Sacramento area can turn to us for assistance. Our home loan specialists will take the time to understand your needs and explain everything to your satisfaction. They can point you towards the most suitable home loan programs for your situation and budget.

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Get the financing you need to build the house of your dreams. Pay only the interest on your loan during the construction period, and once your home is built, you’ll have reduced your subsequent monthly amortizations.

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Get your monthly mortgage payments lowered by applying for mortgage refinancing. Refinancing pays off your first loan and lets you start afresh with a new one. You can get a better interest term and rate on this second loan.

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Veterans, military personnel, and military families can buy the home they want with the help of our VA loan. This program offers many benefits, including lower closing costs, relaxed credit requirements, zero prepayment penalties, and competitive interest rates. Our Sacramento branch located in Folsom is proud to provide this program to military service men and women and their families.

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Our FHA loan program is ideal for families with low to moderate income and a less-than-perfect credit score. Even if you have limited resources or a lower credit score, you can still get achieve your home ownership goals with this program.

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Aspiring homebuyers who want to buy a home in an eligible rural area can apply for our USDA loan. On top of a zero down payment, you will enjoy competitive interest rates and flexible credit guidelines when you take advantage of this loan option.

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Conventional Home Loans

Whether you’re looking for a fixed rate or an adjustable rate mortgage, we’ve got you covered. No matter which conventional home loan option you choose, know that our experienced and dedicated loan officers are here to help you with the application process. 

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