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. Low down payment mortgages in San Rafael are not a compromise on quality; they are mainstream programs used by hundreds of thousands of buyers every year. The key is choosing the one whose mortgage insurance and rate combination costs the least for your credit profile, and that is what we do.
Call Pacific National Lending for low down payment mortgages 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. 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 San Rafael 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 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. Buying in San Rafael with a small down payment means mortgage insurance for a while, and we plan for its removal from day one. Conventional PMI drops off automatically as equity builds, and FHA loans can be refinanced into conventional loans once the home has appreciated.
To find out how little you actually need to buy in San Rafael, call (916) 526-2700 or apply online. We will show you every low down payment option you qualify for with real numbers. No credit pull at the first step.
We help borrowers with low down payment mortgages throughout San Rafael, including Gerstle Park, Dominican, Terra Linda, Sun Valley, and across central Marin County. 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.
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 low down payment mortgages in San Rafael.
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