Home Loans in Santa Clarita, CA
Financing a Home in Santa Clarita
Santa Clarita draws families and move-up buyers who want newer neighborhoods, good access to Los Angeles and a bit more breathing room. Gaby Godde helps buyers across Valencia, Saugus, Canyon Country and Newhall find the right loan, and her Palmdale office is just up the 14.
Loan Options for Santa Clarita Buyers
for single-family homes, condos and townhomes
for loan amounts above the conforming limit
no down payment for eligible veterans and service members
low down payment and flexible credit guidelines
use the equity in your current home to buy the next one
for self-employed buyers
lower your payment, shorten your term, or take cash out
About Santa Clarita
Santa Clarita is a city in northern Los Angeles County made up of Valencia, Saugus, Canyon Country and Newhall, with the 5 and the 14 freeways connecting it to the rest of the county. Many neighborhoods are master-planned, with parks, paseos and community amenities. Some newer communities also carry HOA dues or special assessments, often called Mello-Roos, that become part of your monthly payment. Gaby includes those costs up front so your budget is real before you write an offer.
Frequently Asked Questions
1. Do HOA dues and Mello-Roos affect how much I can borrow?
Yes. Lenders count them in your monthly payment, so they affect what you qualify for. Gaby will factor them in when she pre-approves you.
2. Can I buy my next home before I sell my current one?
Often, yes. A bridge loan or a buy-before-you-sell program can help you move once instead of twice.
3. Do I need a jumbo loan in Santa Clarita?
It depends on the price and your down payment. Gaby will show you conventional and jumbo side by side.
Talk to Gaby
Ready to buy or refinance in Santa Clarita? Call or text Gaby at (661) 713-3460, or request a quote at californiamortgagegirl.com/get-a-quote. See all the areas we serve.
Get a Santa Clarita Home Loan Rate Quote
Gabriella Godde NMLS #262012. Groves Capital, Inc. NMLS #1678775. Equal Housing Opportunity. This is not a commitment to lend. All loans subject to credit approval. Programs, rates and terms subject to change.