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Dixon sits in Solano County between Sacramento and the Bay Area. That location makes it one of the more affordable entry points in Northern California.
Community mortgage programs are designed for buyers who don't fit the standard mold. Flexible guidelines mean more Dixon residents can actually qualify.
Below FHA Minimums
Credit Flexibility
Low or Flexible
Down Payment
200+ Wholesale
Lender Access
Ask for Quote
Rates Vary By Profile
Community Mortgages in Dixon
Community mortgage programs allow for lower credit scores and reduced down payments. Some programs work with non-traditional income documentation.
You don't need perfect credit or a large cash reserve. These loans are built to meet borrowers where they are.
Local decision guide
Use this guide to connect community mortgages eligibility, lender expectations, and local market factors before comparing payment options in Dixon.
Dixon sits in Solano County between Sacramento and the Bay Area. That location makes it one of the more affordable entry points in Northern California.
Community mortgage programs are designed for buyers who don't fit the standard mold. Flexible guidelines mean more Dixon residents can actually qualify.
Community mortgage programs allow for lower credit scores and reduced down payments. Some programs work with non-traditional income documentation.
Not every lender offers community mortgage programs. Many big banks don't touch them at all.
We work with 200+ wholesale lenders at SRK CAPITAL. That reach means we can actually find the program that fits your profile in Dixon.
Community mortgage programs often stack with down payment assistance. That combination can dramatically reduce what you bring to closing.
Solano County has assistance programs worth knowing about. The right broker finds those overlaps — a loan officer at one bank never will.
FHA loans are the most common alternative. They require a 3.5% down payment and a 580 credit score minimum.
Community mortgage programs can go further on flexibility. If FHA already rejected you, this is often the next call to make.
Dixon is a smaller agricultural city. Some properties here may qualify for USDA rural designation, which pairs well with community lending.
Solano County's income limits affect program eligibility. As of April 2026, those limits are worth checking before you assume you earn too much.
Buyers with lower credit scores, limited down payments, or non-traditional income. These programs target borrowers who don't fit conventional guidelines.
Yes, many community mortgage programs allow stacking with assistance grants. A broker can identify which combinations work in Solano County.
Parts of Dixon may qualify for USDA rural designation. That's worth checking — USDA offers zero down payment for eligible properties.
FHA has set credit and down payment minimums. Community programs can offer more flexibility for borrowers who fall below FHA's floor.
Not always. Many community mortgage programs are open to repeat buyers. Eligibility depends on the specific program and your income.