The Hoffart-Vaughn Team

We know mortgages.

Welcome to Pacific Wholesale Mortgage! We are the Hoffart-Vaughn Team, your California home loan experts dedicated to making sure your home purchase or refinance experience is top-notch.

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Popular California Home Loans Which loan is right for YOU?

First Time Homebuyers California

FHA Home Loans California California

FHA home loans are popular among California first-time homebuyers due to low down payment and credit requirements.

FHA Loans
Conventional Home Loans California

Conventional Home Loans California California

A conventional(fixed-rate mortgage) is a popular type of home financing in California because it offers predictability for your budget.

Conventional Loans
Jumbo Mortgages California

Jumbo Mortgages California California

Jumbo home loans are most appropriate for a segment of high-income earners who make between $250,000-$500,000 a year.

Jumbo Loans

Current

California

Mortgage Rates

FHA Loans

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Last Updated: 6/4/2023

Conventional Loans

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Last Updated: 6/4/2023

VA Loans

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Last Updated: 6/4/2023

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with The Hoffart-Vaughn Team to receive a personalized rate for your specific situation.

  • I worked with Luke on a loan for my first investment property. I was very intimidated of the process to begin with, but Luke proved to be a true expert and clearly walked me through what was needed, when it was needed, and everything in between. His knowledge and experience gave me a clear and… Jake Lovisolo - September 6, 2021
  • I would recommend the Hoffart-Vaughn Mortgage Team and their mentorship/basic training program over and over again. As a new loan officer, this is everything I needed and the delivery and organization is phenomenal. The basic training program is THE BEST beginner's guide you can ask for. The information and support that Lucas, Carrick, Monica, and… Ashley Tarlton - August 4, 2021
  • Luke is so great! He stuck it out with us the last few months to get our refinance to go through. He never gave up on us. He is very professional and an amazing communicator. Thanks Luke! Jamie Scott - August 4, 2021
  • Mentorship Review: Thank you Luke and Carrick for your support and amazing training! The information and delivery were top-notch and have made me a confident professional mortgage broker. Walking through the first loans was helpful to get my feet wet and understand the details and little things that we deal with in each loan. By… Jason Stone - August 4, 2021
  • I had the pleasure of working with Hoffart-Vaughn team with a buyer client of mine purchasing her first home. The team was everything you could want working with a lender. Communication was amazing, we closed on time and the process was incredibly seamless as all issues were dealt with upfront and we were able to… Alex Fairbanks - August 4, 2021
  • Mentorship Testimonial: HV team members are simply amazing and offer an excellent in-depth training program. In my experience, each member has always been available to answer questions and help me get to the next step. I can always count on their knowledge of the industry and have benefited from their patience and professionalism as I… Mali Evans - August 4, 2021

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

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5%

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5%

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$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Up-Front MIP (1.75%)$0

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

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0%

4.5%

1%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Curious about refinancing your home in California? Now may be the right time to start saving money every month!

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months
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months
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Refinancing could save you

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New monthly payment $

Refinance fees $

Lifetime Savings $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!

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You can afford up to

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Monthly Payment $

Principal & Interest $

Tax $

Insurance $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Instant Home Valuation

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The Hoffart-Vaughn Team

7412 Elsie Ave #300
Sacramento, California 95828
(916) 316-8442
NMLS# 1714690

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If you have any immediate questions or concerns don't hesitate to give us a call @ (916) 316-8442

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