Financing for One of Placer County's Expanding Housing Markets

Roseville's housing market includes established neighborhoods as well as substantial newer development in the western part of the city. The West Roseville Specific Plan alone encompasses more than 3,000 acres and thousands of planned single-family and multifamily homes, making new construction an important part of the local housing mix.

That creates financing needs that go beyond a basic mortgage preapproval.

Andrey Dimitrashuk at Rocket Mortgage helps Roseville buyers evaluate financing for resale homes, new construction, move-up purchases, investment properties, and situations where the buyer still owns another home.

Buying New Construction in Roseville

New construction buyers should understand more than just the builder's advertised purchase price.

Your financing plan may need to account for upgrade costs, deposits, appraisal timing, completion schedules, rate locks, and whether your current home will be sold before the new home closes.

Andrey can review these factors early so you understand your available financing before committing to a purchase.

Moving Up Without Selling First

Roseville homeowners with substantial equity may want to purchase the next property before listing or closing their existing home.

Depending on eligibility, bridge financing or a home equity strategy may provide another way to coordinate the two transactions.

This can be particularly useful when the timing of your purchase and sale does not line up perfectly.

Mortgage Options in Roseville

Depending on your circumstances, financing may include conventional, FHA, VA, jumbo, Bank Statement, alternative/Non-QM, bridge, home equity, or investment-property financing.

The appropriate structure depends on your income, credit, assets, existing debts, property, and financing objectives.

All loans subject to approval. Equal Housing Lender.