Broker - NMLS# 292494
FHA home loans are popular among California first-time homebuyers due to low down payment and credit requirements.
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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 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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Mortgage RatesAll 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.
California
Refinance RatesAll 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.
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
Jason and his team were awesome in helping us with our refinance. Throughout the whole process, the communication was great and explained everything.
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!
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 !!
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.
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.
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.
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.
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.
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.
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!
Curious about refinancing your home in California? Rates are historically low and now may be the right time to start saving money every month!
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!
