Sacramento, the capital of the state of California and the county seat of Sacramento County, is located in California's Central Valley, an hour and a half northeast of San Francisco. Sacramento provides a mix of a modern cosmopolitan city with wild west and California Gold Rush history. The City of Sacramento has a reputation for being one of California's most affordable cities.

Sacramento is well served from a transportation standpoint by Amtrak service, as well as Interstate 80, US Highway 50, Interstate 5, and US Highway 99. Sacramento is also served by the Sacramento International Airport for those residents whose travels take them far from this beautiful capital city.

Sacramento has more trees lining its streets than any other city in California. For this reason it is often referred to as "The City of Trees". Sacramento has been awarded 15 Helen Putnam Awards including 3 "Awards of Excellence" and one "Grand Prize" by the League of California Cities. These awards recognize "...outstanding cities that deliver the highest quality and level of service in the most effective manner possible." The greater Sacramento area is also recognized as one of "America's Most Livable Communities" by the Partners for Livable Communities.

Housing Styles in Sacramento

Sacramento offers a wide variety of housing choices and prices. In Sacramento, housing choices span a broad spectrum, including 1920's era bungalows, "fabulous forties" estates, contemporary townhouses, architecturally refurbished mansions, contemporary mansions, and grand Victorian homes. The bulk of single family housing consists of single-story, two- and three-bedroom homes. These homes can date from the 1950's all the way up to the present.

Whatever the style, there are typically numerous affordable and first-time home buyer housing options across the range of Sacramento neighborhoods.

California Mortgage Refinance

Find out if now is the time to refinance! You may be able to lower your monthly payments or reduce the time it takes to pay off your loan. You may also be able to save even more if you use your refinance proceeds to pay off credit cards or other installment debt, since your mortgage is usually 100% tax-deductible, and interest on consumer debt is not.

Here are some important reasons to consider refinancing:

- Get a lower mortgage rate and reduce interest costs.

- Convert an adjustable rate mortgage to a secure, fixed rate mortgage.

- Consolidate your first and second mortgages into a mortgage with a lower rate.

- Get cash for family wants and needs.

The advantages we offer you for your refinancing needs include:

- Low rates

- Easy online application

- All types of mortgage programs

- Guidance and advice from an experienced loan professional