About Sacramento Real Estate
California's capital and one of the fastest-growing metros. Relative affordability and strong government/healthcare employment attract buyers priced out of coastal markets.
Sacramento Housing Market Overview
Median around $510,000—significantly cheaper than coastal metros. East Sacramento, Land Park, and Curtis Park have charming older homes. Natomas and Elk Grove offer new construction. Remote worker influx from the Bay Area has pushed prices higher but Sacramento remains middle-income accessible.
Mortgage Lending in Sacramento
Most purchases fall within conforming limits. FHA and VA loans are popular for first-time buyers and veterans. Many can buy with 3–5% down.
Self-Employed Mortgages in Sacramento
Restaurateurs, healthcare professionals, agricultural business owners, and remote tech workers make up Sacramento's self-employed community. Bank statement and P&L programs serve varied situations.
Investment Property Loans in Sacramento
One of California's strongest rental markets with favorable rent-to-price ratios. Student housing near Sacramento State and UC Davis creates consistent demand. DSCR loans are ideal for portfolio building.
Available Loan Programs in Sacramento
Save Financial offers the following mortgage programs for Sacramento homebuyers and homeowners:
Traditional financing backed by Fannie Mae/Freddie Mac. Lowe...
Government-insured with low down payments and flexible credi...
Zero down payment for eligible veterans, active duty, and su...
Replace your mortgage to lower your rate, change your term, ...
Investment property loans qualified by rental income — no pe...
Comprehensive mortgage solutions for business owners, freela...
Why Save Financial for Sacramento Mortgages?
Save Financial, Inc. is a trusted California mortgage brokerage (NMLS #377740, DRE #01875766) with offices in Newport Beach and Marina del Rey. We have 45 years of combined experience and work with 20+ wholesale lenders to deliver competitive rates across 35 loan programs — including conventional, FHA, VA, jumbo, hard money, bank statement, DSCR, and no-income options. Our $500 price guarantee means if we can't beat another lender's written offer for your Sacramento mortgage, you receive $500.
We serve Sacramento borrowers 7 days a week, 9AM–8PM. Our team speaks English and Spanish.