ESTABLISHED NEIGHBORHOODS · CENTRAL SACRAMENTO ACCESS
Citrus Heights gives buyers an established place to call home, with mature neighborhoods, everyday convenience, and practical access to both Sacramento and Placer County. I’ll help you build a financing plan around the home you want to make your own.
For more than 25 years, I have helped buyers and homeowners turn a mortgage question into a plan they can use. My office is in Roseville, and I work with Citrus Heights buyers who want the value of an established home without giving up access to work, family, parks, and daily errands.
We will start with the home and the changes you want to make, then look at the payment, cash to close, timing, and loan options that make the move practical.
ESTABLISHED NEIGHBORHOODS. EVERYDAY CONVENIENCE. A CENTRAL LOCATION.
Citrus Heights is an established Sacramento suburb with mature trees, a broad mix of home styles, and an easygoing neighborhood feel. It is a natural fit for buyers who want to live in a place with roots while keeping a practical connection to the rest of the region.
With I-80, Sunrise Boulevard, Greenback Lane, and Auburn Boulevard nearby, Citrus Heights makes everyday errands and regional commutes manageable. Shopping, services, parks, and community programs are woven into daily life here. It is a place where a first home, move-up home, or renovation project can become a lasting part of your story.
Your home search is more than a floor plan. Think about the streets you will drive, the errands you will run, and the routines that help a community feel right.
MATURE TREES & ESTABLISHED STREETS
Citrus Heights offers a broad mix of established homes and neighborhoods. An older home can bring real charm and potential, along with the need to understand condition, insurance, and future improvement costs.
A HOME YOU CAN MAKE YOUR OWN
For buyers who see potential in an older kitchen, a growing family room, or a backyard that needs work, the purchase plan should account for the next project as well as the first payment.
Explore renovation financingERRANDS, SERVICES & DAY-TO-DAY LIFE
The Sunrise, Greenback, and Auburn corridors put shopping, dining, services, and regional routes within reach. Drive the places you expect to visit each week before you decide on a neighborhood.
PARKS, PROGRAMS & OUTDOOR TIME
Sunrise Recreation and Park District serves Citrus Heights with parks, programs, community activities, and outdoor spaces across the city.
Explore Citrus Heights parksVisit at different times of day, test the commute, and notice how the home connects you to the people and places you use most. The right fit is the one that works for your actual life.
A FIRST-HOME FINANCING PLAN
Citrus Heights is a strong first-home community. Start with the programs that can address your down payment, closing costs, and the updates you may want after you have the keys.
For eligible buyers, FHA can be a starting point with as little as 3.5% down. Mortgage insurance applies, so we will compare the full payment and upfront costs.
Explore FHA loans
CalHFA assistance can pair with eligible first mortgages to help with down payment and closing costs. Eligibility, income limits, program terms, and availability all need a current review.
Explore CalHFA assistance
With loanDepot’s Solar DPA program, an eligible buyer may finance an owned solar project in the first mortgage while assistance helps with eligible closing costs. The solar cost is part of the mortgage, so we will compare the complete payment, loan balance, assistance terms, and estimated utility savings.
Explore solar financing and assistance
Start with a clear roadmap: pre-approval, down payment choices, credit preparation, touring, offers, and what to expect through closing.
Visit the First-Time Home Buyer HubThinking about a home that needs updates, or selling a current home before you buy? You can also explore renovation financing and Buy Before You Sell planning with Amy.
We will look beyond the mortgage rate and payment to include cash to close, assistance terms, insurance, property condition, and the projects you want to take on after closing.
Talk with AmySTART WITH THE EXACT PROPERTY ADDRESS
San Juan Unified School District serves Citrus Heights and identifies 12 district schools in the city. The district serves more than 40,000 learners across its broader service area.
Explore San Juan Unified’s dedicated Citrus Heights school resource for local program and campus information.
Explore Citrus Heights schoolsUse the official School Finder for the exact home you are considering. The school locator identifies neighborhood schools, but results do not guarantee enrollment.
Find your Citrus Heights schoolBuying a home in Citrus Heights? School assignments are based on the property address, and attendance boundaries and enrollment policies can change. Verify directly with San Juan Unified before relying on a school assignment.
MOVING TO CITRUS HEIGHTS? START HERE.
Citrus Heights publishes an official utility-provider directory, which makes moving in easier to organize. Confirm service with the exact property address before you set up a new account.
SMUD provides electricity in Citrus Heights. Call 1-888-742-7683 or set up service online.
Start, stop, or transfer SMUD servicePG&E provides natural-gas service. The City lists 800-743-5000 for customer service.
Start or transfer PG&E serviceWater providers include Citrus Heights Water District, California American Water, and Sacramento Suburban Water District. Use the City’s water-district map for the property you are considering.
Find your water providerSacramento Area Sewer District is the City’s wastewater collection utility. Call (916) 875-6730 for service information.
Citrus Heights sewer informationRepublic Services provides garbage collection. The City lists (916) 725-9060 for residential service and provides local recycling and organics information.
Citrus Heights utility directoryCity Hall is at 6360 Fountain Square Drive. Call (916) 725-2448 for City services and local information.
Visit Citrus Heights City HallWater service is not one-size-fits-all in Citrus Heights. Check the City’s provider map with the property address before establishing water service.
