Loan programs

Mortgage options, explained plainly.

West Shore Mortgage offers a variety of mortgage loans and refinancing services. Get in touch to discuss the best options for you.

Conventional Fixed-Rate

A steady interest rate and predictable monthly payment for the life of the loan — typically 15 or 30 years. The most popular home loan in Sacramento.

A lower starting interest rate that adjusts after an initial fixed period — often a fit if you plan to move or refinance within a few years.

Government-insured home loans with low down payments and flexible credit guidelines — popular with first-time buyers in California.

Zero-down home loans for eligible veterans, active-duty service members and surviving spouses — with no monthly mortgage insurance.

Zero-down home financing for eligible properties in qualifying rural and suburban areas of California, subject to household income limits.

California programs like CalHFA MyHome and ZIP that help first-time buyers cover down payment and closing costs, with repayment deferred.

Talk with Matthew about your goals, or start your secure application today.