Lake of the Pines is a gated, private-lake community in southern Nevada County on Highway 49 between Auburn and Grass Valley, with a golf course, marina and a full calendar of HOA amenities. We help Lake of the Pines buyers and homeowners with purchase loans, refinances, reverse mortgages and second-home financing. Pacific National Lending is an independent mortgage broker serving Lake of the Pines from our office in Gold River. Instead of selling one bank's products, we shop your loan across multiple wholesale lenders and match you with the program, rate and terms that fit, whether that is a conventional purchase loan, FHA, VA, jumbo, a refinance or an investment property loan.
Call Pacific National Lending for mortgage broker services in Lake of the Pines: (916) 526-2700
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Lake of the Pines draws retirees, second-home buyers and families who want lake living within reach of Auburn and Roseville, so we see conventional and jumbo purchases, second-home loans and steady demand for reverse mortgages. Lenders must account for HOA dues and gated-community rules in qualifying, and lakefront homes often reach jumbo amounts. Because we broker loans rather than fund one bank's products, we can move a difficult Lake of the Pines file to a lender whose guidelines fit: self-employed income, a recent credit event, a unique property or a tight closing timeline. We price every loan across our lender network and show you the trade-off between rate and closing costs in writing.
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Housing is entirely within the gated community: 1970s to 2000s single-family homes on wooded and golf-course lots, lakefront homes with docks, and custom homes built on the remaining lots throughout the neighborhoods off Lakeshore Drive. Pacific National Lending is headquartered in Gold River, not in another state, and that matters for Lake of the Pines borrowers. We know the local appraisers, escrow companies and real estate agents, we understand county-specific loan limits and property issues, and you can sit across a desk from us whenever a conversation is easier in person.
Getting started in Lake of the Pines is simple: call (916) 526-2700, or use the secure online application. There is no credit pull at the first step, and a licensed loan officer will follow up to explain what you qualify for and what documents we will need.
Our mortgage broker services clients in Lake of the Pines come from Lakeshore Drive, the golf course neighborhoods, the lakefront, Magnolia Road area and every other part of the Highway 49 foothills. Lake of the Pines is about fifty minutes from our Gold River office via I-80 and Highway 49.
For mortgage broker services in Lake of the Pines, 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: Mortgage Broker · All loan options · Purchase · Refinance · Today's rates
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