Fair Oaks, California
Fair Oaks Mortgage Broker
Patron Mortgage helps Fair Oaks homebuyers and homeowners find the right loan — FHA, conventional, VA, ITIN, jumbo, and more. Available 7 days a week.
NMLS 1747739 · Licensed California Mortgage Broker · Serving Fair Oaks & Surrounding Areas · Available 7 Days a Week
Serving Fair Oaks
Mortgage Loans in Fair Oaks, CA
Fair Oaks is a beloved Sacramento County community known for its tree-lined streets, the Fair Oaks Village, and a strong sense of neighborhood character. With a mix of established homes and updated properties, Fair Oaks attracts buyers who value community, charm, and convenient access to Sacramento and Folsom.
Patron Mortgage helps Fair Oaks buyers navigate the home loan process from pre-approval to closing. Whether you're purchasing your first home, refinancing, or need an ITIN loan, our senior loan officer Randall Ortiz is available 7 days a week.
We work with a wide network of lenders to offer competitive rates and a broad range of loan programs — so you're never limited to just one option.
Why Fair Oaks Borrowers Choose Us
- Sacramento-based — we know the local market
- Available 7 days a week, including evenings & weekends
- ITIN loan specialists for non-SSN borrowers
- Access to multiple lenders for competitive rates
- Free consultations with no obligation
- NMLS licensed — transparent and trustworthy
What We Offer
Loan Programs in Fair Oaks
FHA Loans
Low down payment options starting at 3.5% for qualified Fair Oaks homebuyers.
Conventional Loans
Competitive rates and flexible terms for buyers with strong credit profiles.
VA Loans
Zero down payment financing for eligible veterans and active-duty military in Fair Oaks.
ITIN Loans
Home purchase and refinance programs for Fair Oaks borrowers with an ITIN instead of an SSN.
Jumbo Loans
Financing above conforming loan limits for higher-priced Fair Oaks properties.
Hard Money Loans
Fast approvals for Fair Oaks real estate investors and fix-and-flip projects.
Cash-Out Refinance
Access your Fair Oaks home's equity for renovations, debt payoff, or other goals.
HELOC
Flexible home equity line of credit for Fair Oaks homeowners.
Service Area
Cities We Serve Near Fair Oaks
Patron Mortgage serves homebuyers and homeowners throughout Fair Oaks and the surrounding region, including:
Common Questions
Fair Oaks Mortgage FAQs
Ready to Get Started in Fair Oaks?
Call us, email us, or request a free quote online. We're available 7 days a week — no obligation, no pressure.
NMLS 1747739 · Licensed in California