Find Mountain Ranch, California Home Grant Program | Check Eligible Areas in Mountain Ranch, California

Mountain Ranch, CA Home Buyer Grant

Home buyer grant programs are a great choice for borrowers looking to buy but lack the down payment. When Mountain Ranch, California home buyers need assistance we have options. Conventional and FHA grant programs are available in Mountain Ranch, CA. Grants are available for first time buyers and those who have bought in the past. Find out if you are eligible for the grant program by calling the Mountain Ranch, CA down payment assistance line 888-767-0554. Down payment assistance experts are standing by and ready to help. Connect with a licensed Grant specialist, ask questions, see what cities qualify, and get free quotes.

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Finding the Perfect Home Loan

Thousands of consumers across Mountain Ranch, CA are ready for home ownership. Securing the right home loan doesn’t have to be hard, we have solutions for less than perfect credit and even those with little savings or down payment. To help home buyers in Mountain Ranch overcome challenges we offer more programs and the extra benefit of wholesale rates. We simplify the home buying and refinancing challenges presented by 2024 Mountain Ranch mortgage guidelines. Our mission is to get you approved for a home buyer grant in Mountain Ranch, CA and into your home with payments you can afford. Even if you think you won’t qualify, our highly trained specialists will work with you closely on an individual basis to:

Review your finances to see what you can afford.
Improve your credit score if needed to qualify.
Obtain pre-approval to shop for your dream home.
Secure a loan and purchase your new home!

Working around Credit Issues with Top Rated Specialists

Our home buyer grant team is celebrating its 27th year in business. Our experience allows for consumer mortgage confidence especially with Mountain Ranch first time home buyers. We navigate consumers through the mortgage process, explain options and find what choice works best for you. We specialize in more than just home buyer grants. Check out consumer USDA options, FHA loans and our Bad credit home loan options.

Get on the Path to Home Ownership. We got your Back!

My wife and I had the pleasure of being assigned to Ryan Sr. Loan Officer. He was polite, patient, professional and most importantly prepared throughout whole process. Ryan crunched numbers with impressive accuracy, explained documents line by line when we had questions and let us know what to expect so there wouldn’t be any surprises. Ryan is very knowledgeable and had no problem answering questions and sharing very important details which made us feel good about picking Smart Mortgage. Thank you Ryan for all your help and advice.

Frank & Anna

We applied with other lenders but had been turned down, but Smart mortgage worked with us so we can have our dream home! Our lender Jon, walked us through the process and was very helpful in answering questions promptly. He made the process easy for us. Jon always kept in daily communication with us, so there were no surprises! He made himself available anytime…..even when he was on vacation! The online submission of documents was very easy. Overall we think Smart Mortgage is an excellent company willing to work with people with blemished credit and give them the opportunity to live their dream of home ownership.

Wesley C

We worked with Brian who picked up our loan after our original broker quit working with us. I’ve never seen a more determined, hard working, and dedicated broker in action! Brian was amazing! We could write a book about our experience, bottom line… I wouldn’t work with anyone else or refer to anyone else. He gets it done!

Desi M

I highly recommend working with Jon for a home loan product. He handled our jumbo loan with the highest integrity and detail. In particular, he helped navigate the legal details associated with our land trust. Our experience was exceptional and will work with Jon in the future.

Erik H

I highly recommend choosing Brian as your Mortgage guy to make sure you get the house you want. He will make sure everything is done and not only in a timely manner but it gets done correctly. Your closing will go so smooth and there are no surprises with Him! He will be with you from beginning till the End! You will not be disappointed with his service!

Annie P

Anthony exceeded our expectations in all aspects,going above and beyond he kept us in the loop throughout the whole process and in finding us ways to keep our final expenses as low as possible I feel we got the best deal we could have. We are very happy with our choice.

Debbie S

Anthony was great to work with and was very thorough with explaining the whole process. He was a huge help with any questions we had. Will definitely recommend to friends and family.

Sergio V

Worked with Jon on a refi and it was terrific. My situation was a little bit complicated based on a few moving parts, however, the process went very smooth and all my options were clearly explained as we went along. I’m very pleased with the outcome.

John C

Very impressed. Jon walked me thru a difficult refi of 2 properties simultaneously. Always a quick response to any of my concerns. Would definitely recommend working with them.

Sue S

The very first time I spoke with Patty on the phone, I knew I would work with her to find my mortgage. Patty has a calm and confident approach to her work that illustrates her knowledge of the industry, The counsel she provided helped position me in a favorable position to buy my dream home. I would definitely recommend Patty to family and friends, and look to work with her again in the future.

Chris C

Buy a Home with Down Payment Assistance

Get Pre-Qualified Now

Mountain Ranch, CA Grant Benefits

580 Credit Score Required
Grant is completely forgiven – no repayment required!
Grant can be used for down payment
Seller Credit of 6% is allowed
Gift funds are allowed!
Borrower(s) not required to be First Time Homebuyers.
Income limit is based on qualifying income used for transaction, not household income.

Find your Home Buyer Grant in Mountain Ranch, CA 888-767-0554.

Mountain Ranch (formerly, El Dorado and El Dorado Town) is a census-designated place (CDP) in Calaveras County, California, United States. The population was 1,628 at the 2010 census, up from 1,557 at the 2000 census. The town is registered as California Historical Landmark #282.[3] The town center is quite small with fewer than 50 people living in it. The 5 mile square area surrounding the town accounts for the balance of the population.

The settlement was established during the California Gold Rush.[4] Mountain Ranch’s post office was established in 1858.[5] In 1868, it was moved to another town called El Dorado Camp 1.5 miles south, as there was already an El Dorado post office in California, El Dorado Camp became known as Mountain Ranch. Currently, there are 3 post office buildings in the town. The present one, a small post office which was built in 1956, and a post office built in 1923 which was once billed as the world’s smallest post office. The original location of the town of Mountain Ranch also has a historical landmark. The bell on the historical marker was used in the local school from 1885 to 1953. Established as Cave City School District in 1855, this school joined with the Banner District in 1946 to become the El Dorado Union Elementary School District. In 1942 the last of the gold mines closed.[4] Further economic losses took place in the 1970s, when local saw mills shuttered, and also in 1983 when the Calaveras Cement Co. closed.[4] In 2015, the town was ravaged by the Butte Fire. More than 350 homes[4] along the outskirts burned, but firefighters and local ranchers were able to save most of the downtown.