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Purchasing a New Home

Your new home is waiting. Let Positive Lending work with you to help seal the deal.

No matter if this is the first time you’re purchasing a home or your latest investment in the Sacramento, CA area, securing the right loan is one of the most critical steps of the process. At Positive Lending, our goal is to help you achieve your goal of homeownership, and we promise to work together with you until you’re satisfied with your new home. That’s why we’re there to guide you every step of the way. From the free initial consultation to the time you close your loan, our team can assist you with any questions or concerns that may arise.

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First-Time Buyer

If you’ve never purchased a home before, you’ll likely find yourself a bit overwhelmed by the process. You’re not alone. Frankly, it’s to be expected. That’s why we work with you to help ensure you can close on the home of your dreams. We provide you with the tools necessary to navigate the process on your own, teaching you about various terminology important to home buying. We'll educate you on the home mortgage-process, and guide you through a quick, hassle-free close. Positive Lending is here for you for whatever you may need, providing a comforting feeling that can go a long way.

Moving/Buying a New Home

Perhaps you’re considering selling your current home and moving to a new home in the Sacramento, CA area. Maybe you’re new to the area and unfamiliar with the real estate landscape. Or, you purchased your first home decades ago and are not familiar with the current loan industry. Whatever your reasoning may be, our team at Positive Lending is here for you. We can help you understand what happens to your loan when you move, and how your current financial situation will impact your home loan. No matter if you’re in search of a larger home or a retirement home, we’ll work with you to come up with the ideal purchase program.

Second/Vacation Home

After years of hard work, you find yourself in the position to purchase a second home. Navigating through the process of securing a second loan could be tricky if you have not yet paid off your first loan. That’s why at Positive Lending, we’re here for you. We offer numerous mortgage loan options for home buyers who are purchasing their second home. We’re confident that when working with us and allowing us to handle your mortgage, you can close on the vacation home of your dreams.

Investment Property

Not every home has to be for you. You may come across a house that is a great investment property. Perhaps you are going to put money into the home and flip it for a profit a couple of years down the road. Or, maybe you are looking for a rental property to earn supplemental income. Your mortgage options vary based on whether you own a home already, or if this is your first investment property. Positive Lending is here for your loan needs, offering considerable loan package options that can help you find the perfect investment program for your needs.

Types of Loan Options:

VA Loans

These loans, insured by the Department of Veterans Affairs, are intended for active duty military members, veterans, and surviving spouses.

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FHA Loans

FHA loans are backed by the U.S. Federal Housing Administration and are specifically designed for first-time home buyers.

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First-Time Homebuyers

There are many perks available for first time home buyers, such as government-sponsored down payment assistance.

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Jumbo Loans

If you need a bigger home, you may want to look into a jumbo loan, which exceeds the conforming loan limit of $417,000.

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USDA Loans

Interested in moving to a rural property outside of a metropolitan area? This loan may be for you.

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Specialty Loan Programs

If you are not satisfied with your loan, Positive Lending offers multiple specialty loan programs that could be more appealing.

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How It Works

Free Consultation

If you’re looking to move in the Sacramento, CA area, begin by contacting us for a free consultation. We’ll review your specific wants and needs to gain a better understanding of what you’re looking for in your new home.

Get Pre-Approved

After the free initial consultation, we’ll help you complete a loan application that best fits your needs. Then, you’ll receive a pre-approval letter that allows you to begin shopping for and make offers on a new home.

Find Your New Home

Using your pre-approval letter, you’ll work with your real estate agent to find your dream home. As this is going on, we’ll work to secure final approval on your loan. Once approved, you can sign the closing documents for your new home.

Looking for a Real Estate Agent?

View Our Preferred Partners
  • "Jeremy helped me and my husband refinance our home. I strongly recommend him with any and all of your finance inquiries. My husband and I had a great experience refinancing our home."
    Carmen G., Home Owner
  • "Jeremy was really great to work with! He was very responsive to all of my requests and made the entire loan process very easy to understand. I highly recommend Jeremy to anyone looking to buy or refinance."
    Melanie J., Homeowner
  • "Jeremy at American Pacific Mortgage went above and beyond to help my wife and I navigate the mortgage process when buying our new home. Your service was invaluable and we hope to work with you again if we ever purchase another home."
    Cacilie W., Home Owner

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