Mountain Ranch, CA FHA Loans

The Mountain Ranch, CA FHA home loan is a great choice for borrowers looking to buy a home with little money down.  When home buyers choose FHA it allows for easier credit score qualification.  In most cases you can qualify with 580 credit scores.  FHA is even offering options for credit scores under 580, larger down payments are required in most cases.  FHA does offer grants for down payments in Mountain Ranch. Find out if you are FHA Grant eligible by calling 888-767-0554. FHA home loan experts are standing by and ready to help.  Connect with a licensed FHA specialist, ask questions, check credit, and get free quotes.

Finding the Perfect Home Loan

Thousands of consumers across the Mountain Ranch, CA are ready for home ownership.  Securing the right Mountain Ranch 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 overcome challenges we offer more programs and the extra benefit of wholesale rates.  We simplify the home buying and refinancing challenges presented by 2024 mortgage guidelines. Our mission is to get you approved for an FHA mortgage 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 find a payment you can afford.
  • Improve your credit score if needed to qualify.
  • Obtain pre-approval to shop for an FHA Eligible Home.
  • Secure a loan and purchase your new home!

Working around Credit Issues with Top Rated Specialists

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

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    Once this form is completed you will have the option to start your USDA mortgage application.

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    FHA Benefits in Mountain Ranch, CA

    • Low down payment
    • Low 30 year terms
    • Easier credit qualification
    • FHA grant programs available
    • No application fee
    • Use gifts for down payment

    Find your FHA Mortgage 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.

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