Home loans in Truckee, CA
Truckee blends historic downtown charm with new mountain-modern construction in communities like Gray's Crossing and Martis Camp. Kevin Darmody helps buyers finance primary residences, second homes, and new builds across the Truckee market.
Truckee's mix of luxury golf communities and four-season recreation means financing ranges from standard conforming loans to high-balance jumbos — and new-construction timelines often call for flexible rate-lock strategies.
Loan programs popular in Truckee
Jumbo loans
Financing above the county conforming limit, structured for high-value homes with competitive rates and flexible down-payment options.
Purchase loans
Pre-approval and purchase financing with a local broker who can compare programs across many lenders, not just one bank's menu.
Second-home & vacation financing
Programs built for second homes and short-term-rental properties, including DSCR options that qualify on the property's income.
Refinance
Rate-and-term and cash-out refinancing to lower your payment, shorten your term, or tap equity for renovations.
Neighborhoods we serve
- Downtown Truckee
- Gray's Crossing
- Martis Camp
- Tahoe Donner
- Glenshire
Frequently asked questions
Can you finance new construction in Truckee?
Yes. We work with new-construction purchases in communities like Martis Camp and Gray's Crossing and can advise on rate-lock options that fit longer build timelines.
Is Truckee a good market for a second home?
Very much so. Many Truckee buyers are purchasing second homes or recreation properties, and we offer second-home and investment programs tailored to that goal.
What loan limits apply in Truckee?
Truckee is in Nevada County, CA. Homes above the conforming limit use jumbo or high-balance financing — we'll confirm the current limit and the right program for your price point.