Darren Buys Homes Cash Shares 3 Great Websites To Help You Finance Your House in Sacramento!- As you’ve likely noticed, the home buying and selling process has largely shifted online in recent years. Now, financing your home purchase is following the same digital trend. It’s convenient, streamlined, and offers competitive rates. If you prefer handling real estate transactions electronically (like many Sacramento homeowners), you’re in luck because securing a mortgage online has become even simpler. To guide you through your options, here are our selections for 3 great websites to help you finance your house in Sacramento.
1. Bankrate
Bankrate operates as “an independent, advertising-supported publisher and comparison service.” They provide extensive financial information and advice, with a comprehensive section dedicated to mortgages. If you’re looking to finance your house in Sacramento, particularly as a first-time buyer or someone dealing with a challenging property situation, you’ll find Bankrate’s coverage of the 10 best home-buyer programs especially valuable.
“Investing significant money in your first home purchase, combined with navigating mortgage options, can feel overwhelming. Fortunately, numerous first-time homebuyer programs and grants exist to help you take that crucial first step into homeownership.”
Bankrate provides information on these key programs:
- FHA loans for buyers with limited down payment funds and lower credit scores
- USDA loans to support lower-income buyers in suburban and rural areas
- VA loans, featuring minimal closing costs and no down payment requirement
- Good Neighbor Next Door, a HUD program providing housing assistance for certain service professions
- FannieMae/Freddie Mac programs helping people secure conventional mortgages with low down payments
- HomePath ReadyBuyer Program, which helps with closing costs for those completing an educational program and purchasing certain foreclosed properties
- Energy-efficient Mortgage, backed by the FHA or VA, allowing buyers to include energy-efficient upgrades in the mortgage loan
- FHA Section 203(k), also FHA backed, enabling borrowers to incorporate certain improvement costs into the loan
- Local first-time homebuyer programs and grants, which vary by location but offer assistance with down payments and closing costs
- Native American Direct, backed by the VA and providing direct home loans to eligible Native American veterans
As they state directly on their website, “At Bankrate, we strive to help you make smarter financial decisions.”
2. NerdWallet
Another excellent resource to help you finance your house in Sacramento, NerdWallet offers comprehensive financial and mortgage information. What makes NerdWallet particularly valuable is their section reviewing the best online mortgage lenders, complete with ratings and detailed pros-and-cons lists. This could be especially helpful if you’re determined to finance your house in Sacramento online, particularly for older properties from the 1950s and 1960s common in South Sacramento, Oak Park, and other local neighborhoods.
According to NerdWallet:
“Searching online for a mortgage or refinancing option has become standard practice today. That’s because companies – both innovative online mortgage lenders and traditional institutions – are expanding their digital services. The modern online mortgage approach offers convenience and automation. It can also save you money.”
Bankrate also evaluated the top online mortgage lenders for 2019, with their highest recommendations going to Reali Loans and Rocket Mortgage (by Quicken Loans). According to Bankrate, Reali Loans excels “for home buyers and refinancers who want to apply online for loans in its lending footprint. The robust online lending platform gives borrowers 24/7 access to the loan’s progress.” Rocket Mortgage stands out for its user-friendly online application experience. Additionally, “Rocket Mortgage provides a high-tech mortgage loan process with on-demand advisors when you need help.”
3. Zillow
Zillow, a major player in the online real estate marketplace, has truly become a comprehensive resource for homebuyers. Now, you can even finance your house in Sacramento directly through Zillow.
In November 2018, Zillow acquired Mortgage Lenders of America, which they’ve rebranded as Zillow Home Loans. This means you can not only continue to search for mortgage lenders and compare their rates through Zillow’s mortgage marketplace, but you can also secure your mortgage loan directly from Zillow. “Home shoppers who visit Zillow to shop for a mortgage can now get financing directly from Zillow Home Loans.
Zillow also offers these helpful features: “Check rates in one place,” “Discover the possibilities,” and “Get expert tips & advice.” Their goal is to provide “Simple solutions for every step of the way.”
Inject a Human Element
While online financing is certainly a convenient, streamlined way to finance your house in Sacramento from the comfort of your home, most situations benefit from genuine human interaction at some point—an opportunity to speak with a professional and ask questions face-to-face. That’s where a local, veteran-owned real estate company with 30+ years of experience in Sacramento neighborhoods comes in. While not financial advisors or mortgage counselors, experienced local professionals understand every aspect of the process, including the unique challenges of tenant-occupied properties, older homes, and cluttered properties that need revitalization.
To learn more about how we can help you finance your house in Sacramento, contact us today at (916) 300-7962.
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