Sausalito sits just across the Golden Gate Bridge from San Francisco, a hillside town of bay-view homes above a working waterfront and the famous floating-home docks of Richardson Bay. We help Sausalito buyers and homeowners with jumbo, second-home and condo financing, refinances and equity lines. For many first-time buyers in Sausalito, an FHA loan is the difference between renting another year and owning. Pacific National Lending explains exactly how FHA works, including the mortgage insurance, so you can decide with real numbers whether FHA or a low-down-payment conventional loan is the better fit.
Call Pacific National Lending for FHA loans in Sausalito: (916) 526-2700
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Sausalito is a small, very high-priced market where almost every loan is a jumbo and many buyers are purchasing a second home or a pied-a-terre close to the city. Hillside construction, condo project reviews and view-driven valuations all affect the appraisal, and floating homes require specialized financing that works differently from a standard mortgage. FHA loan limits are set by county, and in Marin County they cover most entry-level and mid-range homes in Sausalito. FHA also allows the purchase of 2-to-4-unit properties with 3.5 percent down when you live in one unit, which is a popular strategy for buyers who want rental income to help with the payment.
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Housing includes historic homes and cottages in Old Town and on The Hill, mid-century and contemporary view homes toward Wolfback Ridge, condos and townhomes in New Town and along Bridgeway, and the floating homes at Waldo Point Harbor. FHA appraisals in Sausalito 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 Sausalito purchase stays on schedule.
To see whether an FHA loan is right for your Sausalito 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.
We help borrowers with FHA loans throughout Sausalito, including Old Town, The Hill, New Town, Bridgeway, and across southern Marin County. Sausalito is roughly two hours from our Gold River office, and we handle Sausalito loans entirely by phone, email and e-signature.
For FHA loans in Sausalito, 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: "Sausalito California" by Brocken Inaglory, CC BY-SA 4.0.
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