Commercial
Mezzanine Financing in Sacramento, CA
Sacramento is a city of 0.53 million people, and Custom Mortgage arranges Mezzanine Financing loans there and elsewhere in Sacramento County, including Midtown and East Sacramento. The median home in Sacramento is valued at $506,300, 5% less than the Sacramento County median of $534,200 (Census ACS 2020-2024 5-year). A median-priced purchase clears the 2026 one-unit limit ($832,750) by $326,450.
The Sacramento median household income, $87,321, is 5% under the county's. Ownership is close to an even split, at 52% of occupied homes (59% countywide). The median home was built in 1977. Renters in Sacramento pay a median $1,779 a month in gross rent.
Mezzanine Financing Highlights
- Access capital without diluting equity.
- Higher leverage compared to traditional debt financing.
- Flexibility in structuring repayment terms to match your project's cash flow.
National Rate Index (Freddie Mac PMMS)
30-Year Fixed Rate
7.18%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
15-Year Fixed Rate
6.57%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Market-data snapshots: FHFA 2026 (live); HUD FYunavailable (bundled); Census ACS 2024 (bundled).
Sacramento County at a glance
- Sacramento median home value
- $506,300
- Source: Census ACS 5-year, Sacramento city, California, 2020-2024
- Sacramento median household income
- $87,321
- Source: Census ACS 5-year, Sacramento city, California, 2020-2024
- Sacramento owner-occupied homes
- 52%
- Source: Census ACS 5-year, Sacramento city, California, 2020-2024
- Sacramento median year built
- 1977
- Source: Census ACS 5-year, Sacramento city, California, 2020-2024
- Conforming loan limit (1 unit)
- $832,750
- Source: FHFA, 2026
- Conforming loan limit (4 units)
- $1,601,750
- Source: FHFA, 2026
- Median owner-occupied home value
- $534,200
- Source: Census ACS 5-year, 2024
- Median household income
- $92,175
- Source: Census ACS 5-year, 2024
- Owner-occupied homes
- 59%
- Source: Census ACS 5-year, 2024
- Home value to income ratio
- 5.8
- Source: Census ACS 5-year (computed), 2024
2026 Conforming Loan Limits: SACRAMENTO
1-Unit (SFR)
$832,750
2-Unit (Duplex)
$1,066,250
3-Unit (Triplex)
$1,288,800
4-Unit (Fourplex)
$1,601,750
Source: FHFA 2026 Conforming Loan Limits. Loans above these limits require jumbo financing.
Mezzanine Financing in Sacramento, CA
Sacramento mortgage rates and programs. CMRE serves the greater Sacramento metro area.Custom Mortgage & Real Estate specializes in providing high-fidelity Mezzanine Financing solutions tailored to the unique economic landscape of Sacramento and the surrounding Sacramento County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireSacramento metropolitan area.
Service Areas & Neighborhoods
Our Sacramento Presence
Local Knowledge. Global Rates.
16501 Ventura Blvd STE 400
Encino, CA 91436
Direct Line
877-976-5669Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Get Matched in 60 Seconds
Our AI Instant Advisor analyzes your situation — credit, loan amount, property type — and matches you to the right program. No credit pull. No obligation.
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Quick quote or detailed payment estimate — no credit pull
Quote Wizard
AI-Powered Rate Intelligence
Step 1: Loan Foundation
Mortgage Estimator
Freddie Mac 30-yr average, week of Apr 19, 2026. Not a quote.
Principal & Interest Only
Common Questions About Mezzanine Financing in Sacramento
Yes, by $326,450: $506,300 median versus a $832,750 one-unit limit.
At least $126,575 before closing costs (75% maximum LTV on $506,300). That is 1.4 years of a $87,321 median income.
5.8 times the $87,321 median household income, about the same as across Sacramento County. Debt-to-income limits usually set the loan size.
See all Mezzanine Financing questions and program details
Mezzanine Financing by Location
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Browse All Territories →Reviewed by Eve Sanchez, Chief Compliance Officer · Updated 2026-11-04 · Custom Mortgage Inc., NMLS #1556995
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Success stories from families and investors across the nation who achieved their goals with CMRE.
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