Napa is the county seat and the largest city in the Napa Valley, with a revived riverfront downtown, the Oxbow district and neighborhoods that run from Victorian Old Town to the vineyards of Coombsville. We help Napa buyers and homeowners with conventional, jumbo, second-home and investment financing. As a mortgage broker near Napa, our job is to work for you, not for a bank. Broker Jason Skelton and our loan officers compare rates and guidelines from many lenders on every file, so Napa borrowers see options a single retail lender or big bank simply cannot offer. We are licensed by the California Department of Real Estate (DRE #01778208) and registered with NMLS (#115924).
Call Pacific National Lending for mortgage broker services in Napa: (916) 526-2700
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Napa is a high-demand market where local wine and hospitality workers, Bay Area transplants and second-home buyers compete for limited inventory, and many purchases land in high-balance or jumbo territory. Second homes and rentals carry their own down payment and qualifying rules, and properties on the valley's edges can raise wildfire insurance questions that are best handled early. Because we broker loans rather than fund one bank's products, we can move a difficult Napa 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 includes Victorians and bungalows in Old Town and Fuller Park, mid-century neighborhoods in Bel Aire and Alta Heights, larger homes in Browns Valley, golf-course homes and condos around Silverado, and vineyard estates in Coombsville. Pacific National Lending is headquartered in Gold River, not in another state, and that matters for Napa 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.
Our lender network includes programs for nearly every Napa situation: conventional and jumbo purchase loans, FHA and VA, USDA in eligible areas, first-time buyer and down payment assistance programs, bank-statement loans for the self-employed, DSCR and no-income investor loans, fix and flip financing, reverse mortgages and home equity lines of credit.
Our mortgage broker services clients in Napa come from Old Town Napa, Fuller Park, Browns Valley, Alta Heights and every other part of the Napa Valley. Napa is about an hour and fifteen minutes from our Gold River office via I-80 and Highway 12.
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 mortgage broker services in Napa.
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