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Sacramento region · CaliforniaMortgage lender in Sacramento County, CA
Yes. Stellar Mortgage Corporation, NMLS #2190975, is licensed in California and makes purchase and refinance loans in Sacramento County: conventional, FHA, VA, USDA, jumbo and non-QM. Steve Umansky, NMLS #61764, is our licensed loan officer for California. For 2026 the one-unit conforming loan limit here is $832,750 and the FHA limit is $764,750.
Reviewed by Steve Umansky, Sr. Branch Manager, NMLS #61764,
Buying in Sacramento County
Sacramento County, with its county seat in Sacramento, also takes in Elk Grove, Folsom, Rancho Cordova, Citrus Heights and Galt. Sacramento County files are handled by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in California, from our Southampton, PA office.
- 2026 conforming limit
- $832,750
- 2026 FHA limit
- $764,750 (one-unit, set by HUD)
- Above the conforming limit
- Jumbo pricing
- Closing commonly handled by
- escrow and title company
- State housing agency
- California Housing Finance Agency (CalHFA) (general information; not a participating lender)
- Your officer
- Steve Umansky, NMLS #61764
2026 limits for a one-unit property. Sacramento County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.
Sacramento County: the capital and its growing suburbs
State government is the largest employer, so many buyers have salaried income that documents cleanly. Midtown, East Sacramento and Land Park are older neighborhoods, while Elk Grove, Folsom, Rancho Cordova and Natomas hold most of the newer housing, where special taxes and association dues are common and we include them in the payment.
Much of the city lies behind levees on the Sacramento and American rivers. Flood insurance requirements depend on the current flood map for the address, so we order the flood determination at the start. In the south county, around Galt and Wilton, properties with acreage, wells and septic systems are common.
Sacramento County by the numbers
- Median home value
- $534,200 (Census Bureau, ACS 2020–2024, table B25077)
- Typical property tax
- About 0.73% of home value a year: median tax bill $3,921 on a median value of $534,200 (Census Bureau, ACS 2020–2024, table B25103)
- Transfer tax
- County documentary transfer tax of 55 cents per $500 of the price; some cities add their own (California Revenue and Taxation Code § 11911)
- Largest communities
- Sacramento, Elk Grove, Arden-Arcade, Citrus Heights (Census Bureau, ACS 2020–2024, table B01003)
The county median home value is $534,200. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $764,750.
Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.
Closing and programs in California
Closings in California are typically handled by an escrow and title company. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the California page. Property taxes are set locally; we take the figure from the tax record for the address.
Questions Sacramento County buyers ask
Does Stellar Mortgage lend in Sacramento County, CA?
Yes. Stellar Mortgage Corporation, NMLS #2190975, is licensed in California and makes purchase and refinance loans in Sacramento County: conventional, FHA, VA, USDA, jumbo and non-QM. Steve Umansky, NMLS #61764, is our licensed loan officer for California and works California files from our Southampton, PA office by phone, secure portal and e-signature.
What are the 2026 loan limits in Sacramento County?
For 2026 the conforming loan limit for a one-unit home in Sacramento County is $832,750 and the FHA limit is $764,750. Sacramento County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Limits for two- to four-unit properties are higher.
Is there down payment help for buyers in Sacramento County?
The California Housing Finance Agency (CalHFA) runs California’s homebuyer programs, which can include help with the down payment and closing costs for buyers who meet its income and price limits. Stellar Mortgage is not a participating lender for those programs, so this is general information; the agency’s website lists participating lenders.
Who pays the transfer tax in Sacramento County?
Counties may charge 55 cents per $500 of the price, and many cities add their own transfer tax, so the total depends on the city. The statute does not assign the cost to the buyer or the seller; the purchase contract decides.
California notice. Loans made or arranged pursuant to a California Financing Law license. Stellar Mortgage Corporation, NMLS #2190975.
Limits shown are the 2026 FHFA and HUD figures for Sacramento County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.
Get pre-approved in Sacramento County
Three quick steps, about a minute. No Social Security number, no pay stubs. Steve calls you back, usually the same business day.
Equal Housing Lender · NMLS #2190975 4.94★ · 1,361 verified reviews on Experience.com
“You were always professional, responsive, patient, and helpful, and you made what could have been a stressful process feel smooth and easy.”Yelda A., North Wales, PA · verified review on Experience.com
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