San Rafael is the Marin County seat and its largest city, founded around Mission San Rafael Arcangel and known today for its Fourth Street downtown, the Frank Lloyd Wright civic center and hillside neighborhoods above the bay. We help San Rafael buyers and homeowners with jumbo purchase loans, refinances and home equity financing. A jumbo loan in San Rafael is any mortgage above the conforming loan limit set annually for Marin County, and it plays by different rules than a standard loan. Pacific National Lending brokers jumbo loans through multiple lenders, which means San Rafael buyers see competitive jumbo rates and a range of down payment and documentation options instead of one bank's rigid program.
Call Pacific National Lending for jumbo loans in San Rafael: (916) 526-2700
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Nearly every San Rafael purchase is a jumbo loan, and well-located homes routinely sell with multiple offers, so a fully underwritten pre-approval matters here. Buyers range from San Francisco professionals to long-time Marin families moving up, and the mid-century Eichler neighborhoods of Terra Linda and Lucas Valley have a following of their own. Jumbo loans in San Rafael 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 Victorians and older homes in Gerstle Park and Dominican, Eichler and ranch homes in Terra Linda, Marinwood and Lucas Valley, hillside homes in Sun Valley, and golf-course and waterfront homes in Peacock Gap and along the canal. Jumbo loans in San Rafael also cover refinances, cash-out refinances and second homes. If you bought during a higher-rate period or want to access equity in a higher-value home, we compare jumbo refinance options across our lender network.
To price a jumbo loan for your San Rafael 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.
Pacific National Lending serves Gerstle Park, Dominican, Terra Linda, Sun Valley and the rest of San Rafael for jumbo loans. San Rafael is about an hour and forty-five minutes from our Gold River office, and our Marin clients work with us by phone, email and secure e-signature.
For jumbo loans in San Rafael, 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: Jumbo Loans · All loan options · Purchase · Refinance · Today's rates
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