Folsom Lake Lending

Folsom Lake Lending

California Mortgage Professionals

Broker - NMLS# 292494

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Popular California Home Loans Which loan is right for YOU?

First Time Homebuyers California

FHA Home Loans California California

FHA home loans are popular among California first-time homebuyers due to low down payment and credit requirements.

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Conventional Home Loans California

Conventional Home Loans California California

A conventional(fixed-rate mortgage) is a popular type of home financing in California because it offers predictability for your budget.

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Jumbo Mortgages California

Jumbo Mortgages California California

Jumbo home loans are most appropriate for a segment of high-income earners who make between $250,000-$500,000 a year.

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Current

California

Mortgage Rates

FHA Loan Purchase - 30 Year Fixed

Rate2.55%
1W Change 0.13%
APR3.543%
1W Change 0.18%
Last Updated: 05/14/2021

Conventional Loan Purchase - 30 Year Fixed

Rate3.03%
1W Change 0.22%
APR3.433%
1W Change 0.23%
Last Updated: 05/14/2021

VA Loan Purchase - 30 Year Fixed

Rate2.56%
1W Change 0.07%
APR2.755%
1W Change 0.04%
Last Updated: 05/14/2021

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Folsom Lake Lending to receive a personalized rate for your specific situation.

Current

California

Refinance Rates

FHA Loan Refinance - 30 Year Fixed

Rate2.48%
1W Change 0.08%
APR3.453%
1W Change 0.07%
Last Updated: 05/14/2021

Conventional Loan Refinance - 30 Year Fixed

Rate2.87%
1W Change 0.08%
APR3.273%
1W Change 0.11%
Last Updated: 05/14/2021

VA Loan Refinance - 30 Year Fixed

Rate2.56%
1W Change 0.22%
APR2.776%
1W Change 0.23%
Last Updated: 05/14/2021

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Folsom Lake Lending to receive a personalized rate for your specific situation.

  • Great job. Was kept informed appropriately throughout the entire process. Most importantly, we closed with time to spare Jeremy P - March 3, 2021
  • Jason Alcazar has always kept me well informed of what was going on throughout the entire process and has always taken well care of me. I highly recommend him to everyone! Ross B - March 3, 2021
  • My husband and I just refinanced our house last month with Jason and we couldn't be happier! We weren't sure if now was the time to refinance or if we should wait until next year when we had a little more equity in our house so that we could completely drop our mortgage insurance. Jason… Carolyn R - March 3, 2021
  • Jason Alcazar and team were outstanding. We found our house knew it was going to be a bidding war put in our offer. I call Jason and let him know I offered to close in 21 days ! Surprise!! He calmly says "congratulations we got this." Jason and his team worked tirelessly to ensure we… Brandon K - March 3, 2021
  • Outstanding experience! I had unforeseen issues on my end that they were able to help me resolve and close on my mortgage in no time. Jason and team ran everything to ground! Thank you for your tireless effort. Steve S - March 3, 2021
  • Everything was done quickly and professionally. Just as the first time I used them, for that reason I went through Jason again. Great person, great personality and he cares about you. Jason and his team were awesome! Will always be a return customer. I S. - March 3, 2021

More from Zillow

5.00 Rating ∙ 8 Reviews on Zillow

Jason alcazar rocks!!!

johnslamkowski - 01/20/2017

Jason is very professional and his team is second to no one. He handed everything and always made time for any questions I had. I recommend him to anyone

Loan Type Conventional
Loan Purpose Purchase
Loan Program 30 Year Fixed
Mortgage services provided by Jason Alcazar - California California

Top notch service!

user8581709 - 01/10/2017

Jason and his team were awesome in helping us with our refinance. Throughout the whole process, the communication was great and explained everything.

Loan Type Conventional
Loan Purpose Refinance
Loan Program 15 Year Fixed
Mortgage services provided by Jason Alcazar - California California

Best rates and service available! Highly recommended!

rboyer6 - 12/05/2016

I have used Sierra Pacific Mortgage to buy my first house, to refinace, and to buy my second home. Jason Alcazar has always kept me well informed of what was going on throughout the entire process and has always taken well care of me. I highly recommend him to everyone!

Loan Type Conventional
Loan Purpose Purchase
Loan Program 30 Year Fixed
Mortgage services provided by Jason Alcazar - California California

We closed in 21 days with a stellar rate and and even better feeling.

user4024169 - 08/16/2016

Jason Alcazar was amazing to work with. Jason went above and beyond in all aspects of our transaction no only on the loan but Jason was truly the glue that allowed my wife and I to buy our dream home! We closed in 21 days with a stellar rate and and even better feeling. I would recommend Jason Alcazar and Sierra Pacific mortgage to anyone looking to buy or refi .Thank you Jason !!

Loan Purpose Purchase
Mortgage services provided by Jason Alcazar - California California

With all the different home loan options out there, it was nice to know a lender ...

justin4091 - 03/29/2016

Jason has helped my brother and I with a loan to purchase our house as well as refinance it. Every time he is very professional, honest and prompt. With all the different home loan options out there, it was nice to know a lender took the time to pair us with the right loan. It was also very nice to know the rate was competitive. Thank you Jason.

Loan Purpose Refinance
Mortgage services provided by Jason Alcazar - California California

He continues to reach out to me with helpful tips and updates.

renaesosa - 02/17/2016

I had an amazing experience with Jason Alcazar. He made himself completely available to me and he was extremely helpful. He followed through with every question or request I had and his knowledge of the business made it a pleasant experience for me all around. He continues to reach out to me with helpful tips and updates. I highly recommend him and his company.

Loan Purpose Refinance
Mortgage services provided by Jason Alcazar - California California

My refi is complete.

user7387902 - 02/12/2013

Very fast reponse. Most of my communications with him were through emails. He replied on weekends and nights.I shopped around for my rate and fee. His was the best. My refi is complete. Now, I'm doing another refi with him for another property.

Loan Purpose Refinance
Mortgage services provided by Jason Alcazar - California California

Jason is my "Go-to" mortgage guy, he is knowledgeable and patient.

TommyZamora - 04/09/2012

Jason is my "Go-to" mortgage guy, he is knowledgeable and patient. I have and would highly recommend him to friends and family for all of your home loan needs.

Loan Purpose Purchase
Mortgage services provided by Jason Alcazar - California California

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

$

5%

1%

5%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. Click here to see the loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

$

0%

1%

4.5%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

$1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Curious about refinancing your home in California? Rates are historically low and now may be the right time to start saving money every month!

$
%
months
$
%
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!

$
$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Instant Home Valuation

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Contact Folsom Lake Lending

Folsom Lake Lending

981 Governor Dr. #102
El Dorado Hills, California 95762
(916) 337-1365
NMLS# 292494
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If you have any immediate questions or concerns don't hesitate to give us a call @ (916) 337-1365

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