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. A low down payment mortgage in Novato lets buyers get into a home with far less cash than the traditional 20 percent. Conventional loans start at 3 percent down, FHA at 3.5 percent, and VA and USDA at zero down for eligible borrowers. Pacific National Lending compares all of them for Novato buyers and shows the true monthly cost of each.
Call Pacific National Lending for low down payment mortgages 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. FHA's 3.5 percent down loan accepts lower credit scores and higher debt ratios than conventional programs, which makes it the right low down payment choice for many Novato buyers. VA offers zero down for eligible military borrowers, and USDA offers zero down in eligible rural and suburban parts of Marin County.
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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. Cash to close is more than the down payment. Closing costs, prepaid taxes and insurance, and reserves all matter, and Pacific National Lending builds a complete estimate for every Novato buyer so there are no surprises. Seller credits and lender credits can cover much of the closing costs when structured correctly.
A smaller down payment sometimes makes more sense than a larger one, especially if it preserves an emergency fund or allows you to buy in Novato a year sooner. We help you weigh the trade-off honestly.
We help borrowers with low down payment mortgages 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.
For low down payment mortgages 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: Low Down Payment Mortgage · 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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