Sacramento Mortgage Broker — Home Loans in the Capital Region
Sacramento is a baseline conforming county, which means the jumbo threshold arrives lower here than on the coast. It is also one of California’s strongest markets for first-time buyer assistance.
Sacramento Mortgage Broker — Mango Stock Mortgage
Sacramento offers something increasingly rare in California: prices where standard conforming financing still covers most purchases, and where CalHFA down payment assistance still meaningfully closes the gap for first-time buyers. Mango Stock Mortgage is licensed by the California DFPI to arrange home loans across Sacramento County and the surrounding capital region.
What Makes Financing in Sacramento Different
Sacramento County uses the $832,750 baseline conforming limit rather than a high-cost figure. That cuts both ways. Most purchases fall comfortably under it, so conforming financing with its better pricing and lighter documentation is available to more buyers than on the coast. But buyers moving here from the Bay Area are sometimes surprised that a purchase which would have been conforming in Santa Clara County is a jumbo in Sacramento. The region also has an unusually high share of stable public-sector W-2 income, which underwrites cleanly.
Sacramento Loan Programs
CalHFA First-Time Buyer
MyHome assistance and other CalHFA programs are meaningfully useful at Sacramento price points.
FHA Loans
3.5% down; widely used across Sacramento County and a strong fit at local price levels.
VA Loans
Zero down for veterans, with a substantial veteran population across the capital region.
Conventional Loans
As little as 3% down for eligible first-time buyers, under the $832,750 baseline limit.
USDA Loans
Zero down in eligible areas on the outskirts of the metro — more of the region qualifies than buyers expect.
DSCR Investor Loans
Qualify a Sacramento rental on property income rather than personal tax returns.
Moving from the Bay Area?
Sacramento County is a baseline conforming county at $832,750 — not $1,249,125. A purchase price that would have been conforming in Santa Clara or Alameda County can be a jumbo here, with different credit, reserve and documentation requirements. It is worth knowing before you write the offer rather than during underwriting.
Sacramento Neighborhoods and Areas We Serve
- East Sacramento & Land Park — Established neighborhoods with older housing stock and consistent demand.
- Midtown & Downtown — Condos, lofts and infill; walkable and popular with first-time buyers.
- Natomas — Newer construction; flood zone status affects insurance and underwriting.
- Elk Grove — Family-oriented suburb with strong new-build inventory.
- Folsom & El Dorado Hills — Higher price points where jumbo financing becomes relevant.
- Roseville & Rocklin — Placer County, adjacent to the metro, with its own loan limit and market dynamics.
Sacramento Housing Market and Loan Limits
Sacramento County uses the 2026 baseline conforming loan limit of $832,750. Purchases above that move into jumbo territory, which arrives at a lower price point here than in coastal counties. For most Sacramento buyers this is favorable: the median transaction sits well within conforming range, which keeps pricing and documentation requirements lighter. The region also has an unusually deep pool of first-time buyers, which is why CalHFA assistance programs see heavier use here than in markets where the down payment gap is too large for them to bridge.
Sacramento Mortgage FAQ
What is the conforming loan limit in Sacramento County?
$832,750 for a one-unit property in 2026 — the California baseline. Sacramento is not a high-cost county, so purchases above that figure require jumbo financing. Buyers relocating from Bay Area counties are often surprised by this, because those counties carry limits up to $1,249,125.
Can CalHFA help me buy a home in Sacramento?
Often yes. CalHFA’s MyHome Assistance Program provides a deferred-payment junior loan toward down payment and closing costs, and Sacramento price points are low enough relative to program limits that the assistance covers a meaningful share of what a buyer needs. Income limits, sales price limits and homebuyer education requirements apply, and funding availability changes.
Are there USDA-eligible areas near Sacramento?
Yes. USDA eligibility is based on designated rural areas, and a number of communities on the outskirts of the Sacramento metro qualify. Because USDA requires no down payment, it is worth checking eligibility for a specific address rather than assuming the whole metro is excluded.
Which Sacramento areas do you serve?
Sacramento County and the surrounding capital region — East Sacramento, Land Park, Midtown, Natomas, Elk Grove, Folsom, and neighboring Placer County communities including Roseville and Rocklin.
Ready to Get Pre-Approved in Sacramento?
Whether you are a first-time buyer looking at CalHFA assistance or relocating from the coast, we can tell you what you qualify for in Sacramento before you start looking.
Mango Stock Mortgage | NMLS# 2815478 | Licensed by the California Department of Financial Protection and Innovation under the California Financing Law, License No. 60DBO-218256. Loans made or arranged pursuant to a California Finance Lenders Law license. This is not a commitment to lend. All loans are subject to credit, underwriting, appraisal and program approval. Equal Housing Lender. See our Licensing & State Disclosures.
Related California Mortgage Resources
- California Mortgage — Statewide Home Loans
- CalHFA Down Payment Assistance
- Bank Statement Loans California
- DSCR Loans California — Investor Mortgages
- Non-QM Loans California
- First-Time Home Buyer California
See what you qualify for
Tell us about the property and what you are trying to do. A licensed loan officer will come back to you within one business day with what is actually available — including when the answer is to wait.