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4 Home Loan Types That Can Make or Break Your Offer When Buying a Home

Most buyers focus on price—but sellers are also judging risk.

The mortgage you choose can quietly influence whether your offer gets accepted… or passed over.

2 minutes

See how sellers react to the 4 most common home loan types—Conventional, FHA, VA, and down payment assistance—and what that means for your offer when it’s time to compete.

👉 See How My Offer Stacks Up

Many buyers in Sacramento ask if writing multiple offers increases their chances of getting a home.

The answer isn’t as simple as yes or no—and doing it the wrong way can actually put you at risk.

There’s a smarter way to stay competitive without creating unnecessary stress or liability.

"I’m Pablo Salazar, Broker Associate with 20 years of grit, grind and real‑estate wins. I’m proud to have played a role in helping my clients achieve their real‑estate goals, and I look forward to continuing to deliver outstanding results for each and every one of you in the future."

A little About me.

"I recently worked with Pablo on one of his listings and had such a great experience! I’m a home stag… Read MoreRead Less

"Pablo was a pleasure to work with. He has excellent communication skills, and was great at keeping m… Read MoreRead Less

"If you are looking for a professional and helpful real estate agent, go to Pablo! We could not prais… Read MoreRead Less

"Pablo was professional, helpful and always available to answer questions throughout the home buying … Read MoreRead Less

"I can't say enough good things about Pablo. My wife and I have worked with Pablo on buying two diff… Read MoreRead Less

"We hired Pablo Salazar and his company 38° Real Estate to sell our home. In less than one week his t… Read MoreRead Less

"Pablo sold my house for me in 36 hours! He hosted one weekend Open House and had over 100 people vi… Read MoreRead Less

"Pablo absolutely was the realtor for me! He helped me achieve my dream of being a home owner ! Educa… Read MoreRead Less

"Pablo Salazar is a true professional. His communication and negotiation skills are top notch. I high… Read MoreRead Less

"Pablo is professional, organized, responsive, and has an infectious positive attitude. He accommodat… Read MoreRead Less

4 buyers. Same price. Only one gets accepted.

You just saw how sellers view different loan types. Now let’s see how yours might actually come across.

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Pablo salazar

Broker Associate - 38 Degrees Real Estate - DRE Lic 01722824

See how your financing might stack up before you make an offer

It’s not always the highest offer that wins

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Pablo Salazar | Broker Associate | CA DRE Lic 01722824