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. Jumbo borrowers in Novato are often self-employed professionals, executives and business owners with complex income, and the right lender makes all the difference. Pacific National Lending matches your file to jumbo programs that understand bonus income, stock compensation, K-1s and business assets.
Call Pacific National Lending for jumbo 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. Jumbo loans in Novato typically require 10 to 20 percent down, strong credit and cash reserves after closing, though some programs allow less. Fixed-rate and adjustable-rate options are both available, and interest-only jumbo loans exist for borrowers who want payment flexibility.
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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. Jumbo appraisals on Novato properties get extra scrutiny, and custom or unique homes can be hard to value. We know which appraisers and lenders are comfortable with the higher-end Novato market, and we address valuation questions before they reach underwriting.
To price a jumbo loan for your Novato purchase or refinance, call (916) 526-2700 or apply online. We will compare programs across our lender network and show you rates, costs and structures side by side.
We help borrowers with jumbo loans throughout Novato, including Hamilton, San Marin, Old Town Novato, Marin Country Club, and across northern Marin County. Novato is about an hour and forty minutes from our Gold River office via I-80 and Highway 37.
Ready to talk about jumbo loans in Novato? Call (916) 526-2700 or apply online in a few minutes. There is no credit pull at the first step and no obligation.
Apply HereLearn more about the program itself: Jumbo 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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