Pinnacle Capital Home Mortgage
Pinnacle Capital Home Mortgage
in Home Mortgage Loans from Pinnacle Capital Mortgage · NMLS ID #1071

Pinnacle Capital Home Mortgage

in Home Mortgage Loans from Pinnacle Capital Mortgage · NMLS ID #1071
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Loan Amount Up to $2,000,000
Loan Term (Years) N/A
Credit Score Range N/A
No Origination Fee N/A

Pinnacle Capital Home Mortgage Review

Pinnacle Capital Home Mortgage is offered by Pinnacle Capital Mortgage (NMLS #1071), a direct lender founded in 2008 and based in Roseville, CA. Pinnacle Capital Mortgage are available in 12 states across the USA.

Key Takeaways

  • 3 different mortgage programs offered. Pinnacle Capital Home Mortgage offers FHA, USDA, VA, conforming, and conventional mortgages.
  • Specializes in multi-family properties. Only offers mortgages for multi-family properties, but not for single-family homes or manufactured homes.
  • Primary and secondary homes considered. Investment homes, such as rental properties, do not qualify for financing. However, Pinnacle Capital Home Mortgage does offer financing for primary and secondary homes (e.g. vacation properties).
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.

Pinnacle Capital Home Mortgage Pros & Cons

Pros Cons
  • Charges an origination fee.
  • Charges prepayment fees.
  • Only available in 12 states.

Pinnacle Capital Mortgage FAQ

How much can you borrow via Pinnacle Capital Mortgage?

Pinnacle Capital Mortgage allows borrowers to apply for loan amounts of up to $2,000,000. Note that the maximum loan amount you can borrow will also vary depending on the type of mortgage you choose, regardless of the lender you choose.

What mortgage rates does Pinnacle Capital Mortgage offer?

Mortgage rates change daily based on market conditions and vary significantly depending on the loan type and the length of the term. For instance, fixed rate mortgages will typically have a higher interest rate than mortgages with variable rates, and jumbo loans usually have higher mortgage rates than conforming conventional loans. Find the best interest rate available to you by getting quotes from three or more mortgage lenders before choosing a home loan.

Pinnacle Capital Mortgage offers home loans with APRs starting at 3.576% .

Do they charge mortgage origination fees?

Yes, Pinnacle Capital Mortgage may charge a loan origination fee.

What mortgage programs are available?

Besides conventional mortgages, Pinnacle Capital Mortgage offers the following mortgage types:

  • FHA loans: FHA loans are mortgages insured by the FHA. They offer competitive mortgage rates and have less stringent eligibility requirements. However, borrowers must pay a mortgage insurance premium. For instance, you can apply for an FHA loan with a credit score as low as 580. Co-applicants are allowed and you can qualify for a down payment as low as 3%.

What property usage types does Pinnacle Capital Mortgage allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Pinnacle Capital Mortgage allows the following property usage types: 

  • Primary home

What is the customer service phone number?

The customer service number for Pinnacle Capital Home Mortgage is (916) 865-2000.

What is the support contact email?

The support contact email for is

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Message From Our Editor

What We Love About Pinnacle Capital Mortgage

Pinnacle Capital Mortgage offers a selection of loan products including conventional loans, FHA loans, VA loans, USDA loans, jumbo loans, reserve mortgages, and more. The mortgage process is streamlined and simple with an advisor provided to help you through the process.

Due to the large number of mortgage loan products, Pinnacle Capital can be used in all sorts of situations ranging from buying a starter home to purchasing a large home you plan to keep the rest of your life.

What Could Pinnacle Capital Mortgage Do Better?

Some states will not have local advisors available to provide personal mortgage services, which can make the process more difficult or impossible for some customers. It’s important to check whether the company is offered in your area before doing anything else.

The lender is also not known for having the best rates so those with the ability to pick and choose from several mortgages may have better luck elsewhere.

Pinnacle Capital Mortgage Backstory

Founded in 2008, Pinnacle Capital Mortgage is a direct lender for Fannie Mae, Ginnie Mae, and Freddie Mac. It operates as a division of America Holdings LLC. The corporate headquarters for Pinnacle Capital Mortgage is located in Roseville, California, but the company has locations across the U.S. in a variety of states.

The Verdict

With a variety of mortgage loan products, Pinnacle Capital Mortgage might be a good choice for some aspiring homeowners. It’s available in several states and features personal advisors who can help you through the process of purchasing a home. The sheer number of options with Pinnacle sets it above many other lenders available.

However, not all customers will get the best rates or terms using Pinnacle Capital. It’s an excellent idea to look at all your options when choosing a mortgage loan provider since most people will be paying off their new home for years to come.

All customers searching for the best mortgage should be aware of what options are available before making a choice. Click here to take a look at reviews for many companies that offer home purchase mortgages.


Other Services by Pinnacle Capital Mortgage


  Available in 12 states
  • Alaska
  • Arizona
  • California
  • Colorado
  • Hawaii
  • Idaho
  • Montana
  • Nevada
  • New Mexico
  • Oregon
  • Utah
  • Washington

Feature Breakdown

Intended Use Primary Home
Primary Residence
APR Starting at 3.576%
(Verified 08/04/2023)
Loan Amount Up to $2,000,000
Mortgage Programs
  • FHA
  • USDA
  • VA

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