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. Financing an investment property in Novato is different from financing a home you live in, with larger down payments, different rates and lender rules about how many properties you can finance. Pacific National Lending navigates those rules so investors can keep growing.
Call Pacific National Lending for investor loans 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. Investor loan pricing in Novato depends on down payment, credit, property type and whether the loan is conventional or a DSCR product. A single-family rental with 25 percent down prices best; 2-to-4-unit properties, condos and short-term rentals each have their own adjustments, which we explain up front.
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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 investor loan process in Novato starts with your goals: cash flow, appreciation, how many properties you plan to buy and how quickly. From there we recommend a loan program, issue a pre-approval you can make offers with, and close the purchase in about three weeks.
Investors buying 2-to-4-unit properties in Novato can sometimes use an owner-occupied FHA or conventional loan with a low down payment if they live in one unit, then move on to the next property after a year. It is one of the most effective ways to start a portfolio.
Pacific National Lending serves Hamilton, San Marin, Old Town Novato, Marin Country Club and the rest of Novato for investor loans. Novato is about an hour and forty minutes from our Gold River office via I-80 and Highway 37.
Call Pacific National Lending at (916) 526-2700 or start your application online. We will review your goals, explain your options in plain English and give you real numbers for investor loans in Novato.
Apply HereLearn more about the program itself: Investor Loans · 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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