COMMON SENSE LOANS with No Closing Costs

This program is designed for borrowers who would benefit from alternative loan qualification methods and have been turned down by conventional routes. This program provides alternate approaches to document the borrower’s ability to repay the loan. Bank statements are used to document income as an alternative to tax returns for self-employed borrowers. The property’s cash flow may be utilized for investment properties in lieu of conventional methods. It is great program for business owners who have either several write-off or may not consistent income over past 2 years. We offer 30 fixed rate terms, 7 year ARM, Interest Only payment options, and No Closing Cost Fee loan options.

Apply Now or Call us for Details! (916) 712-2735


FHA Loans

FHA are great program for first time buyer who have not established their credit yet. We provide first time buyers their American dream to own home with 550 credit score.

There are two types of FHA refinance loans: FHA Streamline and FHA Cash Out Refinance. If you own a home and you are looking for a refinance mortgage, an FHA loan refinance may be right for you if you are looking for lower closing costs and/or easier credit qualifying. A FHA Cash Out refinance allows homeowners to refinance their existing mortgage by taking out another mortgage for more than they currently owe. A FHA streamline allows you to reduce the interest rate on your current home loan quickly and oftentimes without an appraisal.

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VA Loans

VA Loans service veterans, services members and surviving spouses to purchase a home and refinancing a current mortgage. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms.

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Safe & Secure 10, 15, 20 and 30 Year Fixed Rate Loans

Our Safe and Secure Fixed Rate loans offer terms of 10, 15, 20 or 30 years. Sac Town Mortgage will help you decide how to structure your loan so it fits into a budget you can afford. We provide conventional loan with 3% down payment. We also offer mortgage payment with and without PMI (Private Mortgage Insurance). Home Ready and Home Possible conventional loans are best alternative to FHA 3.5%. Borrower with 700 credit should look into conventional programs as there is is no upfront pmi of 1.76 as with FHA loans.

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Harp Loans

If you've been unable to get traditional refinancing because your home value has declined (and you are current on your payments), the Home Affordable Refinance Program (HARP) may be able to help lower your mortgage payment. If your mortgage is owned by Fannie Mae, you may be eligible. Click here to check. Take advantage of this great program now.

Apply Now or Call us for Details! (916) 712-2735