Palo Alto is the birthplace of Silicon Valley, a leafy city next to Stanford University with a walkable University Avenue downtown and some of the most valuable residential streets in the country. We help Palo Alto buyers and homeowners with jumbo and super-jumbo purchase loans, refinances and equity financing. FHA loans help Palo Alto buyers who have limited savings, a shorter credit history or a past credit event that conventional lenders will not overlook. With 3.5 percent down and flexible qualifying, an FHA loan often turns a buyer who was told to wait into a homeowner this year.
Call Pacific National Lending for FHA loans in Palo Alto: (916) 526-2700
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Palo Alto purchases routinely require loan amounts well beyond ordinary jumbo limits, and buyers are often founders, executives, physicians and professors with stock-heavy compensation or substantial assets. Qualifying on restricted stock, business income or asset-based programs takes a broker with access to many jumbo lenders, which is exactly how we work. The trade-off with FHA is mortgage insurance: an upfront premium financed into the loan and a monthly premium that stays for the life of the loan when you put less than 10 percent down. We compare that cost against conventional options for every Palo Alto buyer so the decision is made on total cost, not just the down payment.
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Housing includes historic homes in Professorville, Old Palo Alto and Crescent Park, bungalows in College Terrace and Downtown North, mid-century Eichler homes in Greenmeadow and Midtown, and larger lots in Barron Park. FHA appraisals in Palo Alto include a property condition review, so peeling paint, safety issues or a damaged roof can require repairs before closing. We flag likely issues early and know which lenders and appraisers handle FHA files smoothly, so your Palo Alto purchase stays on schedule.
To see whether an FHA loan is right for your Palo Alto purchase, call (916) 526-2700 or apply online. We will compare FHA and conventional side by side with actual payment figures, and there is no credit pull at the first step.
Our FHA loans clients in Palo Alto come from Old Palo Alto, Professorville, Crescent Park, Midtown and every other part of Silicon Valley. Palo Alto is a little over two hours from our Gold River office, and we handle Silicon Valley loans entirely by phone, email and e-signature.
For FHA loans in Palo Alto, call Pacific National Lending at (916) 526-2700 or use the secure application on this page. A licensed loan officer will follow up within one business day.
Apply HereLearn more about the program itself: FHA Loans · All loan options · Purchase · Refinance · Today's rates
Area photo: "University Avenue at Waverley Street, Palo Alto, California, April 24, 2020" by Brian Sterling, CC BY-SA 2.0.
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