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. Sellers in Novato routinely receive multiple offers, and the pre-approval letter attached to yours is often what separates it from the rest. Pacific National Lending issues pre-approvals backed by an actual review of your documents, which means fewer surprises after your offer is accepted.
Call Pacific National Lending for home loan pre-approval 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. In the Novato market, a pre-qualification based on a phone conversation is not enough. Listing agents want to see that a lender has reviewed pay stubs, tax returns, bank statements and credit, and that the buyer is approved subject only to the property. That is what a PNL pre-approval delivers.
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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. Because we broker to many lenders, an Novato pre-approval from Pacific National Lending is not limited to one bank's guidelines. If your income is self-employed, commission-based or recently changed, we match you with a lender whose rules fit, so the pre-approval holds up in underwriting.
A pre-approval is typically valid for 60 to 90 days, and we refresh it as needed while you search in Novato. If rates or guidelines change, you will hear it from us first, along with what it means for your budget.
Our home loan pre-approval 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 home loan pre-approval 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: Home Loan Pre-Approval · 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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