Palo Alto is the birthplace of Silicon Valley, a leafy city next to Stanford University with a walkable University Avenue downtown and some of the most valuable residential streets in the country. We help Palo Alto buyers and homeowners with jumbo and super-jumbo purchase loans, refinances and equity financing. Saving 20 percent for a home in Palo Alto can take years, and most buyers do not need to. Pacific National Lending helps Palo Alto buyers use low down payment programs, gift funds, seller credits and assistance programs to close with a fraction of what they expected.
Call Pacific National Lending for low down payment mortgages in Palo Alto: (916) 526-2700
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Palo Alto purchases routinely require loan amounts well beyond ordinary jumbo limits, and buyers are often founders, executives, physicians and professors with stock-heavy compensation or substantial assets. Qualifying on restricted stock, business income or asset-based programs takes a broker with access to many jumbo lenders, which is exactly how we work. Your down payment in Palo Alto can come from savings, a gift from a relative, a 401(k) loan, the sale of assets or a down payment assistance program. We document each source correctly so underwriting goes smoothly, and we show you how the choice affects your rate and mortgage insurance.
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Housing includes historic homes in Professorville, Old Palo Alto and Crescent Park, bungalows in College Terrace and Downtown North, mid-century Eichler homes in Greenmeadow and Midtown, and larger lots in Barron Park. Our low down payment loan process in Palo Alto starts with a fully underwritten pre-approval that considers every program you qualify for. From there it is the same clear path as any purchase: documents, appraisal, final approval and closing in about three weeks.
First-time buyers in Palo Alto can often layer CalHFA's MyHome assistance or local programs on top of a low down payment loan, reducing cash to close even further. We check eligibility for every buyer who might qualify.
Our low down payment mortgages clients in Palo Alto come from Old Palo Alto, Professorville, Crescent Park, Midtown and every other part of Silicon Valley. Palo Alto is a little over two hours from our Gold River office, and we handle Silicon Valley loans entirely by phone, email and e-signature.
Ready to talk about low down payment mortgages in Palo Alto? 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: Low Down Payment Mortgage · All loan options · Purchase · Refinance · Today's rates
Area photo: "University Avenue at Waverley Street, Palo Alto, California, April 24, 2020" by Brian Sterling, CC BY-SA 2.0.
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