Conventional
3-5% down
Most Sacramento purchases fall under conforming limits
Mortgage Rates in Sacramento, CA
Current mortgage rates in Sacramento for conventional, FHA, VA and jumbo loans. Sacramento County expertise, CalHFA first-time buyer programs and fast closings across the Sacramento metro.
No credit impact to see your personalized rates. Pre-qualification is a soft pull.
Why Sacramento buyers choose TouchPoint
- Local expertise across the metro
- Same-day pre-qualification
- Closings in 18–25 days, not 45
- NMLS-licensed loan officer available when you need one
- 24/7 AI assistant (Ava) for any question, no pressure
Loan programs available in Sacramento
FHA
3.5% down
Strong demand from first-time buyers across the metro
VA
0% down
Available for eligible veterans throughout Sacramento County
CalHFA
Up to $10K
California Housing Finance Agency first-time buyer programs
Jumbo
to $1.5M
For higher-value homes in Granite Bay, El Dorado Hills, Loomis
Renovation
Conv or FHA
203(k) and HomeStyle for fixer-uppers, common in Sacramento
Sacramento market snapshot
| Median home price | $485,000 |
|---|---|
| Property tax rate | ~1.2% effective (Sacramento County) |
| Transfer tax | ~$1.10 per $1,000 (city + county combined) |
| Typical days on market | 23 days |
Market data is approximate and based on recent county-level trends. Actual figures vary by neighborhood and property type. TouchPoint does not guarantee any specific rate or term.
Areas we serve in and around Sacramento
East Sacramento, Land Park, Curtis Park, Midtown, Downtown Sacramento, Natomas, Elk Grove, Roseville, Granite Bay, El Dorado Hills, Folsom, Carmichael, Fair Oaks, Arden-Arcade, Pocket-Greenhaven
Frequently asked questions about mortgages in Sacramento
What credit score do I need in Sacramento?
Conventional starts at 620, FHA at 580 with 3.5% down, VA loans have no official minimum but most lenders want 580+. TouchPoint works with borrowers across the full spectrum.
Does Sacramento offer first-time buyer programs?
Yes. CalHFA's MyHome Assistance offers up to 3.5% of purchase price for first-time buyers in California. Sacramento also has city-specific programs and the federal Mortgage Credit Certificate is available statewide.
Is Sacramento a good market for fixer-uppers?
Yes. Sacramento has one of the highest concentrations of older homes in California, and 203(k) and HomeStyle renovation loans are popular. TouchPoint can finance both the purchase and renovation into one loan.
How long does it take to close in Sacramento?
TouchPoint closes most Sacramento purchases in 18-25 days when appraisal and title come back clean. Sacramento County recording and title are generally efficient. Refis typically run 14-21 days.
Ready to see your Sacramento mortgage options?
Pre-qualify in about 60 seconds. No credit impact, no commitment, no pressure.
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