Novato is Marin County's northernmost city, with a small-town Old Town along Grant Avenue, oak-covered hills and the redeveloped Hamilton neighborhood on the former Air Force base. We help Novato buyers and homeowners with high-balance and jumbo purchase loans, refinances, reverse mortgages and equity lines. For Novato homeowners who locked in a low first-mortgage rate, a HELOC is usually the smartest way to access equity. Instead of refinancing the whole loan at today's rates, you add a second lien only for the amount you need, and Pacific National Lending helps you find the best terms.
Call Pacific National Lending for a home equity line of credit in Novato: (916) 526-2700
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Novato is the most attainable entry point into Marin County, which brings in move-up families from Sonoma County and buyers priced out of southern Marin. Even so, most purchases require high-balance conforming or jumbo financing, and the city's many condo and townhome communities need a lender who checks HOA approval before an offer is written. A HELOC in Novato typically includes a 10-year draw period during which you can borrow and repay, followed by a 20-year repayment period. Interest is variable and tied to the prime rate, though some lenders offer fixed-rate lock options on drawn balances.
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Housing includes 1950s to 70s ranch homes in central Novato and San Marin, newer homes and townhomes at Hamilton and Pointe Marin, golf-course homes around Marin Country Club, wooded lots in Indian Valley and Pacheco Valle, and waterfront homes in Bel Marin Keys. Our HELOC process in Novato is quick: an application, credit and income review, and a valuation that is often automated for smaller lines. Many HELOCs close in two to three weeks, and you can draw funds as soon as the rescission period ends.
Investors in Novato frequently use a HELOC on their primary residence to fund the down payment on a rental, then refinance the rental with a DSCR loan. We help structure both sides of that plan.
Our a home equity line of credit clients in Novato come from Hamilton, San Marin, Old Town Novato, Marin Country Club and every other part of northern Marin County. Novato is about an hour and forty minutes from our Gold River office via I-80 and Highway 37.
For a home equity line of credit in Novato, 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: HELOC · All loan options · Purchase · Refinance · Today's rates
Area photo: "Hamilton, Novato, California (7385088284)" by Sharon Hahn Darlin, CC BY 2.0.
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