About Client 1st Mortgage
Client 1st Mortgage is a seasoned mortgage lender with over two decades of experience, committed to guiding borrowers through the complex loan process with transparency and a client-first approach. Based in Sacramento, CA, the company emphasizes a strict code of ethics and personalized service, aiming to build long-term trust rather than treating customers as mere numbers. They are dedicated to helping clients understand available products and secure the best mortgage solutions for their unique needs, whether for purchasing or refinancing.
The firm differentiates itself by offering a wide array of specialized residential and commercial loan programs designed to address diverse financial situations. These include government-backed options like FHA and VA loans, alongside niche products such as Non-Prime, Bank Statement, VOE, and Hard Money loans. Client 1st Mortgage also provides crucial support through Down Payment Assistance programs and caters to specific borrower profiles like foreign nationals, ITIN holders, and those seeking a 'second chance' in homeownership.
With a focus on practical solutions and personal service, Client 1st Mortgage strives to go beyond typical lending, prioritizing customer intentions throughout what is often one of the largest financial transactions of their lives. Their commitment extends to both residential properties and commercial investments, offering robust financing options for various property types and loan sizes.
The firm differentiates itself by offering a wide array of specialized residential and commercial loan programs designed to address diverse financial situations. These include government-backed options like FHA and VA loans, alongside niche products such as Non-Prime, Bank Statement, VOE, and Hard Money loans. Client 1st Mortgage also provides crucial support through Down Payment Assistance programs and caters to specific borrower profiles like foreign nationals, ITIN holders, and those seeking a 'second chance' in homeownership.
With a focus on practical solutions and personal service, Client 1st Mortgage strives to go beyond typical lending, prioritizing customer intentions throughout what is often one of the largest financial transactions of their lives. Their commitment extends to both residential properties and commercial investments, offering robust financing options for various property types and loan sizes.
Company Information
Lender Type: Direct Lender
Headquarters: Sacramento, CA
Digital Capabilities
Online Application
Pre-Qualification Tool
Online Account Management
Home Loan Products
FHA Loans
Loan Types:
FHA
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Available Terms:
15 years20 years25 years30 years
Credit Tiers:
Poor (580-619)Fair (620-679)Good (680-739)Excellent (740+)
3.5%
Min Down Payment
98.25%
Max LTV
580
Min Credit Score
VA Loans
Loan Types:
VARefinanceCash-Out Refinance
Rate Types:
Fixed RateAdjustable Rate (ARM)Hybrid ARM
Property Types:
Single-Family HomeCondoMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-EmployedRetired
Income Verification:
Full Documentation
Special Programs:
Veteran Program
Available Terms:
15 years20 years25 years30 years
Credit Tiers:
Bad (<580)Poor (580-619)Fair (620-679)Good (680-739)Excellent (740+)
100%
Max LTV
500
Min Credit Score
Jumbo Loans
Loan Types:
JumboConventionalVA
Rate Types:
Fixed RateAdjustable Rate (ARM)Hybrid ARM
Property Types:
Single-Family HomeCondoMulti-Family (2-4 units)Investment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Available Terms:
20 years25 years30 years
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)
3.5%
Min Down Payment
640
Min Credit Score
Non-Prime & Bad Credit Loans
Loan Types:
Non-QMRefinanceCash-Out Refinance
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoMulti-Family (2-4 units)Investment Property
Occupancy Types:
Primary ResidenceInvestment Property
Employment Types:
W-2 EmployeeSelf-EmployedRetiredInvestor
Income Verification:
No Income Verification
Special Programs:
Foreign National ProgramITIN ProgramAsset Depletion Program
Credit Tiers:
Bad (<580)Poor (580-619)Fair (620-679)Good (680-739)Excellent (740+)
65%
Max LTV
350
Min Credit Score
Bridge & Hard Money Loans
Loan Types:
BridgeHard Money
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment Property
Occupancy Types:
Investment Property
65%
Max LTV
VOE Loan Program
Loan Types:
ConventionalRefinanceCash-Out Refinance
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 Employee
Income Verification:
Stated Income
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)
80%
Max LTV
620
Min Credit Score
Bank Statement Loan Program
Loan Types:
Bank StatementConventionalRefinanceCash-Out Refinance
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoMulti-Family (2-4 units)
Occupancy Types:
Primary ResidenceInvestment Property
Employment Types:
Self-EmployedBusiness Owner
Income Verification:
Bank Statement
Special Programs:
Self-Employed Program
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)
90%
Max LTV
650
Min Credit Score
Down Payment Assistance & Specialty Programs
Loan Types:
ConventionalFHAVAUSDASecond Mortgage
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Special Programs:
Down Payment AssistanceFirst-Time HomebuyerTeacher LoanFirst Responder ProgramVeteran ProgramLow Down Payment Program
0
Inherited Properties & Buyouts Refinance
Loan Types:
RefinanceCash-Out Refinance
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment Property
Occupancy Types:
Primary ResidenceInvestment Property
Income Verification:
Full Documentation
Reverse Mortgages
Loan Types:
Reverse Mortgage
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
Retired
Manufactured Home Loans
Loan Types:
FHAVA
Rate Types:
Fixed Rate
Property Types:
Manufactured/Mobile Home
Occupancy Types:
Primary Residence
Credit Tiers:
Poor (580-619)Fair (620-679)Good (680-739)Excellent (740+)
100%
Max LTV
550
Min Credit Score
ITIN Loan Program
Loan Types:
Non-QM
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment Property
Occupancy Types:
Primary ResidenceInvestment Property
Income Verification:
Bank StatementNo Income Verification
Special Programs:
ITIN ProgramForeign National ProgramNon-Resident Alien Program
Second Chance Program
Loan Types:
Non-QM
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Credit Tiers:
Bad (<580)Poor (580-619)
Commercial Loan Products
Commercial Real Estate Financing
Loan Types:
Conventional CRECommercial RefinanceBusiness Acquisition
Property Types:
Multifamily (5+ units)OfficeRetailMixed-Use
Contact Information
5777 Madison Ave
Sacramento, CA 95841
US
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Business Information
Category: Mortgage Lender
Location: Sacramento, CA
Status: Standard
Type: Direct Lender
Profile Views: 2
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