Sacramento Valley
Yolo County Mortgage Lender
Save Financial, Inc. is a California-licensed mortgage brokerage serving all of Yolo County, including Davis, Woodland, West Sacramento, and Winters. The 2026 conforming loan limit in Yolo County is $806,500, the FHA limit is $675,800, and the current median home price is $615,000. With a population of 222,000 concentrated in Woodland and surrounding cities, Yolo County offers everything from conventional, FHA, VA, and USDA loans to jumbo, DSCR, HELOC, and cash-out refinance options. Save Financial closes loans in Yolo County in an efficiently from.
About Yolo County
Yolo County is located in California's Sacramento Valley region. The county seat is Woodland, and the population is approximately 222,000. Home to UC Davis. Strong rental and DSCR market near campus. Sacramento commuter base.
Save Financial originates mortgages for buyers and homeowners across every community in Yolo County. We are licensed by the California Department of Real Estate (DRE #01875766), and registered with NMLS (#377740). We close Yolo County loans efficiently when documentation is complete.
Cities and communities we serve in Yolo County
…and every other community throughout Yolo County.
Recommended for Yolo County
Loan programs that fit this market
FHA loans
3.5% down financing for Yolo County buyers from 580 credit score.
Learn more →First-time buyer programs
CalHFA, MyHome Assistance, and Dream For All down payment programs.
Learn more →Conventional loans
5-20% down with no PMI at 20%.
Learn more →DSCR investor loans
Qualify on rental income alone — no tax returns. Popular for short-term and long-term rentals.
Learn more →Yolo County loan limits and financing facts
| 2026 conforming loan limit (1-unit) | $806,500 |
|---|---|
| 2026 FHA loan limit (1-unit) | $675,800 |
| Median home price | $615,000 |
| Population | 222,000 |
| County seat | Woodland |
| Region | Sacramento Valley |
| Statewide service | All 58 counties |
| Loans funded statewide | rated 4.9 stars across California families |
Real-world examples
Two example mortgage scenarios in Yolo County
Here's what real Save Financial transactions look like in Yolo County at today's rates. Numbers are illustrative; your actual quote depends on credit, income, and property specifics.
Scenario 1: First-time buyer in Yolo County
Buyer profile: A single buyer earning $135,000/year purchasing a $615,000 home in Davis
- Purchase price: $615,000 (median for Yolo County)
- Down payment: 10% = $61,500 (using savings + family gift)
- Loan amount: $553,500 (conventional, conforming)
- Interest rate: 6.45% APR (30-year fixed)
- Principal & interest: $3,481/month
- Property tax: $563/month
- Insurance: $150/month
- PMI (drops at 78% LTV in ~7 years): $253/month
- Total monthly payment: ~$4,447
- DTI: 39% of $135K/year — qualifies comfortably under conforming guidelines
Outcome: Save Financial layers a CalHFA MyHome second mortgage to cover most of the down payment, reducing the buyer's cash to close from $76,875 to roughly $15,375 in closing costs only.
Scenario 2: DSCR investor purchase in Yolo County
Buyer profile: A California real estate investor adding a short-term rental property in Davis
- Purchase price: $615,000
- Down payment: 25% = $153,750 (DSCR minimum)
- Loan amount: $461,250 (DSCR non-QM)
- Interest rate: 7.45% APR (30-year fixed)
- Principal & interest: $3,214/month
- Expected monthly rent: $3,382
- DSCR ratio: 0.84 (debt service coverage ratio)
- Qualifying: Loan qualifies on rental income alone — no W-2s, no tax returns, no DTI calculation
Outcome: Save Financial closes this scenario efficiently using the investor's existing rental schedule and a market rent appraisal. Property is bought in an LLC for asset protection.
Frequently asked questions about Yolo County mortgages
What is the conforming loan limit in Yolo County for 2026?
The 2026 conforming loan limit in Yolo County is $806,500 for a one-unit property. Loans above this amount are jumbo loans. Save Financial originates both conforming and jumbo loans throughout Yolo County, with average jumbo rates wholesale pricing that may differ from retail bank pricing quotes.
What is the FHA loan limit in Yolo County?
The 2026 FHA loan limit in Yolo County is $675,800 for a one-unit property. FHA loans require just 3.5% down with credit scores from 580. They are the most popular financing option for Yolo County first-time buyers.
What is the median home price in Yolo County?
The current median home price in Yolo County is approximately $615,000. Save Financial pre-approves buyers across the full price range, from entry-level homes to luxury properties in Davis, Woodland, West Sacramento, Winters.
Does Save Financial serve all of Yolo County?
Yes. Save Financial is licensed in all 58 California counties including Yolo County. We originate loans for buyers and homeowners in every city in the county including Davis, Woodland, West Sacramento, Winters. We close loans efficiently when documentation is complete.
How long does it take to close a mortgage in Yolo County?
Save Financial closes Yolo County mortgages efficiently when documentation is complete, compared to a national efficiently from. We've closed over many California loans with a 4.9/5 rating across 63 verified Yelp reviews (Newport Beach office).
Can I qualify for a USDA loan in Yolo County?
USDA Rural Development financing is available in eligible rural areas of Yolo County. Save Financial can check USDA eligibility for any specific Yolo County property address in 60 seconds.