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SACRAMENTO COUNTY: Andrus Island, Antelope, Bouldin Island, Brannan Island, Carmichael, Citrus Heights, Clay, Courtland, Eagle Tree, Elk Grove, Elverta, Fair Oaks, Folsom, Fruitridge, Galt, Gold River, Grand Island, Herald, Hood, Howard Landing, Isleton, Lake Natoma, Locke, Long Island, Mather, McClellan, McClellan AFB, Mormon Island, Nimbus, North Highlands, North Sacramento, Orangevale, Ovale, Paintersville, Pine Bluff, Rancho Cordova, Rancho Murieta, Randall Island, Represa, Rio Linda, Ryde, Ryer Island, Sacramento, Sacramento County, Sloughhouse, Sutter Island, Vorden, Walker Landing, Walnut Grove, Walsh Station, White Rock, Wilton
EL DORADO COUNTY: Cameron Park, Camino, Coloma, Cool, El Dorado, El Dorado Hills, Folsom, Garden Valley, Georgetown, Gold Hill, Greenwood, Kelsey, Latrobe, Lotus, Pilot Hill, Placerville, Pleasant Valley, Pollock Pines, Rescue, Shingle Springs, Virner, Volcanoville, Wentworth Springs
PLACER COUNTY: Auburn, Colfax, Granite Bay, Lake of the Pines, Lincoln, Loomis, Newcastle, Ophir, Penryn, Rocklin, Roseville, Stanford Ranch
YOLO COUNTY: Broderick, Brooks, Bryte, Capay, Clarksburg, Davis, Dunnigan, El Macero, Esparto, Guinda, Knights Landing, Madison, River Bank, Rumsey, Southport, West Sacramento, Winters, Woodland, Yolo, Yolo County, Zamora
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Purchasing a Home? Some Things You Should NOT Do.
Don't make any major purchases such as a new car, expensive electronics or appliance, or anything else that you cannot pay cash for. The extra payments may prevent you from getting a loan.
Don't move money from one account or investment to another. One of the things a lender is concerned about is the source of funds for your down payment and closing costs. The lender will ask for statements for the last 3 months for all your bank and investment accounts and even your company 401K and retirement accounts.
Lenders like to see what is referred to as "seasoned money", that is, money that has been accumulating in an account over a period of months or years. If your bank account has a large deposit that was made less than 3 months ago they may think the money was a loan from a relative who is trying to help you qualify for a loan. Then you will have to prove where the funds came from which can be a time consuming process.
Please, leave your money where it is until you talk to a loan officer. And don't move a significant amount around without letting the lender know about it in advance.