Conventional Loans in Roseville CA

Whether you are looking to buy a home in Roseville, Sacramento, or elsewhere in California, one type of mortgage which may suit your needs is a conventional loan.

With this type of mortgage and a competitive borrower profile, you could put as little as 3% down on a home.

Know exactly what you can afford before you search for homes.Today's Mortgage Rates

Is a conventional loan right for you? Read on to learn more about this type of mortgage.

What is a Conventional Mortgage?

A conventional loan is one which does not include government backing. Usually, when we refer to conventional mortgages, we are referring specifically to loans which conform to the Fannie Mae and Freddie Mac conforming loan limits.

For financing which exceeds those loan limits, you need a jumbo mortgage.

Conventional Loan Limits in California

To figure out whether you can purchase a home with a conventional conforming loan, you need to look up the conforming loan limits by county. These limits are adjusted annually.

To find out the conforming loan limits for Roseville, Placer County, El Dorado County, Sacramento County, or any other CA county, please give us a call.

Qualifying for a Conventional Mortgage in Roseville and Beyond

To be eligible to purchase a home with a conventional conforming loan, you must be borrowing within the aforementioned loan limits.

When you submit an application for a conventional home loan, your credit score, debt-to-income (DTI) ratio and income will determine whether you are eligible and what rates you will qualify for.

Applying for a Conventional Loan

Cindy Steelman has been helping homebuyers in Sacramento, Roseville, and throughout California to purchase homes with competitive conventional mortgages since 2005.

She can help you figure out whether a conventional mortgage is the right fit for your needs, and walk you through the application process quickly and easily.

To get started now, please call (916) 847-7263 to schedule your conventional mortgage consultation.

Know exactly what you can afford before you search for homes.Today's Mortgage Rates

Ginelle Rasch

19:18 31 Jan 22

Cindy is so easy to work with, very thorough and responds quickly to any/all questions & concerns. We really enjoyed working with her for our refi.

Yvonne Silao

21:39 28 Jan 22

Buying a house can be scary but Cindy was helpful and positive every step of the way where my loan was concerned. She is patient, kind, and a pleasure to work with. She always had my best interest in mind during each step of the process. I highly recommend her, you won't be disappointed!

Mark Krasko

21:30 28 Jan 22

Richard Feuerbach

19:30 28 Jan 22

Simply put, Cindy was awesome. I have purchased several homes over the years and without a doubt, Cindy made the whole process from beginning to end very pleasant and stress free.

Shannon Rodriguez

16:21 26 Jul 21

Cindy is the BEST! My husband and I wanted to refi our house but we had a big mess of things to clear up before we could do so. Cindy helped us every step of the way! Without her knowledge of the industry, amazing follow through and communication with us, and her patience, we never would have made this possible! Thanks to Cindy we lowered our monthly expenses and got a great interest rate with our new refi! I would highly recommend her to all of my friends and family!!!

Amy Russell

02:36 07 Jul 21

Dale Tindel

01:47 08 Apr 21

We have used Cindy exclusively since the purchase of our home in 2010. She has provided her expertise for two refinances and the mortgage of a 2nd home. Her attention to detail and her knowledge of market conditions have enabled us to always get the best rates available at the best prices. Thank you, Cindy.

stephanie boggs

21:46 07 Apr 21

Working with Cindy Steelman was an absolute pleasure! Everything from start to finish was professional.

Cindi Pearman

16:59 07 Apr 21

I honestly can’t say enough good things about Cindy. I didn’t know her when she brokered our loan in Nor Cal as she was referred by our Realtor, but we have been friends ever since.Loan brokers have access to many lenders unlike banks so they can get the best rates and she did! They also walk you through the whole process ensuring that everything goes smoothly and it did!So if you need anything mortgage loan related in California, give her a call and see if she can get you a lower rate. She probably can, if not, at least you made a new friend. 😊

Andrew Klinstiver

01:44 07 Apr 21

I have worked with Cindy a number of times, Her service and customer support throughout the financing process is second to none. I highly recommend her.

Chad Parker

10:12 06 Apr 21

Love working with Cindy. This is our second refinance. She makes it easy and keeps you up to date along the way.

Nicki Rowland

16:43 16 Mar 21

We have now refinanced with Cindy 3 times and every time has been an incredibly positive experience. We trust that she is giving us the best advice for our situation and we could not be happier. It has put us in a great financial position and we owe that to Cindy. She is prompt, responsive to questions and always on top of things. Highly recommend for all your home loan needs!

Patrick Ryan

00:41 28 Jan 21

Cindy's attention to details and her quick responsive approach to answering my questions was outstanding! However, what I was most impressed with was her astute knowledge of the industry which enabled her to close my purchase quickly with zero issues! 3 years later I refinanced my home and she was able to lower my interest rate, saving me $300 per month!One call to Cindy and your shopping for a home loan is over!

Monica Singh

19:54 14 Sep 20

We have worked with Cindy for the last 8 years doing a home mortgage and two refinances with her. She is a pleasure to work with. She always gets back to you fast and answers all queries with great patience. She gets you the best rate and is always on top of things. Her loans close on time and with least hassle, because she is so organised. I would highly recommend her for your mortgage needs.

Kurt Reinke

21:36 27 Apr 18

Catherine Heath

19:25 01 Mar 18

Cindy is knowledgeable and straight forward. I know I can trust her to give unbiased advice to my clients and myself. She is personable and very fast at getting right back to me on any questions I have.

Dave Huntoon

23:07 04 Mar 17

Cindy is a wealth of knowledge. I really appreciated her help!

Justin Gilbert

16:33 08 Jun 16

I have been working with Cindy for the last several years. I consistently refer my best clients to Cindy because I know they will be well taken care of. She takes the time to understand my clients needs and fights to get them the best product for their lending needs. If you are considering a new home purchase, or refinance of an existing loan, do yourself a favor and call Cindy.

Christine Glaesman

16:16 08 Jun 16

Cindy has a lot of experience in mortgage and can help you with all of your mortgage needs. Cindy is extremely knowledgeable in her industry. Cindy helps people qualify for a loan if they don't think they can qualify. Give her a call today!

shaun edwards

15:59 08 Jun 16

You won't find a better mortgage professional in the Sacramento area. Cindy really knows her industry and does great work.

Conventional Loans