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First Time Home Buyers in Carmichael, California

Welcome to the official site of Golden City Home loans. We are a full-service mortgage company based in Carmichael, California. We specialize in First Time Home Buyers in Carmichael. We also serve the surrounding cities in Sacramento County, including zip code 95608. We can help you realize your dream of home ownership or save you money when getting your new lower monthly payment.

In terms of Purchase Loan programs, we offer the following:

FHA | VA | USDA | HomePath | Jumbo | Conventional

Refinancing? We can help you with that, too!

We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs:

FHA Streamline | FHA Cash Out | FHA 203k | VA Streamline | VA Cash Out | USDA Streamline | Conventional | HARP | Jumbo

What makes Golden City Home loans unique is that we offer the following niche programs as well: *12 or 24 bank statements program (for self-employed borrowers) *W2 only program (primary residence) *VOE (verification of employment program / No tax returns, No w2's, Only paystubs). 

Contact Golden City Home loans today to discuss your mortgage loan options and find out which loan program will best suit your needs.


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