Sacramento Mortgage Broker
Sacramento, California Mortgage Rates & Broker Services
Buying or refinancing in We compare rates from 20+ wholesale lenders to find your lowest rate. Local CA expertise, Sacramento County knowledge, pre-approval in 24 hours.
$832,7502026 conforming limit (Baseline)
CA licensedNMLS #2134550
24 hrsPre-approval turnaround
20+ lendersShopped for your file
Sacramento Mortgage Quick Facts
Sacramento County uses the standard baseline conforming amount. Here's the snapshot of the Sacramento, CA mortgage market.
$832,750
2026 Conforming Limit
(Baseline)
(Baseline)
$520K
Median Home Price
(Sacramento Metro)
(Sacramento Metro)
525K
Population
(Sacramento)
(Sacramento)
9 states
Where OnPoint is Licensed
(incl. California)
(incl. California)
Why Use a Mortgage Broker in Sacramento
Sacramento is California's capital and one of its most active FHA + DPA markets. The county is at baseline conforming ($832,750), making it an outstanding metro for first-time buyers using the CalHFA MyHome Assistance and 3.5%-down FHA programs.
Local CA Knowledge
Sacramento County conforming limits, California-specific programs (DPA, USDA where applicable), and lender preferences for local property types.
20+ Wholesale Lenders
We shop your specific file across 20+ wholesale lenders to find the lowest rate that actually closes — not a teaser quote.
24-Hour Pre-Approval
Real pre-approval letter in 24 hours so you can submit competitive offers in the Sacramento market without delay.
Loan Programs Available in Sacramento
Every loan type used in the Sacramento, CA market — we match your file to the lender and program with the best pricing for your scenario.
Conventional
Standard Fannie/Freddie loans for buyers with 3-20% down and 620+ FICO.
Learn more →FHA
3.5% down with 580+ FICO. Strong choice for first-time buyers.
Learn more →VA
Zero down for veterans and active-duty service members. No PMI ever.
Learn more →Non-QM
Bank Statement, DSCR, ITIN, and other alternative-doc programs.
Learn more →
Free · 24-Hour Turnaround
Get Your Sacramento Mortgage Quote
A licensed California loan specialist will call within 24 hours with rate pricing matched to your file. No credit pull on the first call.
Got it. We’ll be in touch within 24 hours.
A California loan specialist will call you with pricing matched to your file.
☎ (877) 870-0007The Sacramento Pre-Approval Process
Three steps to pre-approved and offer-ready.
1
Quote Request
Free analysis. No credit pull on the first call. We confirm your Sacramento scenario and target rate.
2
Pre-Approval
24-hour turnaround with a real pre-approval letter you can submit with offers in the Sacramento market.
3
Close in 21-30 Days
Standard close timing for most Sacramento purchase loans. Refi typically 21-35 days.
Sacramento Mortgage FAQ
What's the 2026 conforming loan limit in
Sacramento is in Sacramento County, which falls under the Baseline conforming tier at $832,750. Loans above that amount are jumbo and priced separately by wholesale lenders.
Is OnPoint Mortgage Pro licensed in
Yes. OnPoint Mortgage Pro is licensed in 9 states including California. Our NMLS ID is #2134550. We close loans in Sacramento and across the entire state.
How fast can I close a mortgage in
Purchase loans in Sacramento typically close in 21-30 days. Refinances (especially FHA Streamline and VA IRRRL) close in 14-21 days. We coordinate with Sacramento-area title companies and appraisers to keep timelines tight.
Do you offer VA loans in
Yes. We close VA loans across California for active-duty service members, veterans, and surviving spouses. See our VA loan guide for current rates, eligibility, and the IRRRL streamline refinance program.
What's the minimum down payment for a Sacramento mortgage?
VA: 0% down for eligible veterans. FHA: 3.5% with 580+ FICO. Conventional: 3% for first-time buyers, 5% standard. Non-QM and DSCR programs vary. We model all options at quote time for your Sacramento scenario.
Get Your Sacramento Mortgage Quote in 24 Hours
Free analysis from a licensed California mortgage specialist. No credit pull on the first call. Rate comparison from 20+ wholesale lenders.
☎ (877) 870-0007Mon-Fri 8am-7pm PT · Sat 9am-3pm PT · Licensed in 9 states · NMLS #2134550
Terms & Conditions: Sacramento mortgage rates and program availability shown are illustrative. Actual rate depends on credit profile, debt-to-income, property type, occupancy, loan amount, and current market conditions at lock time. Sacramento is in Sacramento County, California, with a 2026 conforming loan limit of $832,750 (Baseline). Loans above that are jumbo and priced separately. Subject to credit and program approval. OnPoint Mortgage Pro is a licensed mortgage broker; NMLS #2134550. Equal Housing Lender.