Santa Rosa is the Sonoma County seat and the largest city in the North Bay, stretching from historic Railroad Square and the McDonald Avenue mansions to the hillside neighborhoods of Fountaingrove and Bennett Valley. We help Santa Rosa buyers and homeowners with purchase loans, jumbo financing, refinances, reverse mortgages and equity lines. Pacific National Lending is an independent mortgage broker serving Santa Rosa 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 Santa Rosa: (916) 526-2700
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Santa Rosa is the North Bay's broadest market, with first-time buyers using FHA and conventional loans in the west and southwest, move-up families in Rincon Valley and Bennett Valley, and jumbo buyers in Fountaingrove and Skyhawk. After the 2017 fires many neighborhoods were rebuilt with brand-new homes, and wildfire insurance availability is now a standard part of qualifying on the city's eastern edge. Because we broker loans rather than fund one bank's products, we can move a difficult Santa Rosa 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 near downtown and the Junior College, 1950s to 80s neighborhoods in Rincon Valley and Bennett Valley, rebuilt homes in Coffey Park and Fountaingrove, the Oakmont 55-plus community, and newer subdivisions in the southwest. Pacific National Lending is headquartered in Gold River, not in another state, and that matters for Santa Rosa 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 Santa Rosa 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.
Pacific National Lending serves Railroad Square, McDonald Avenue, Junior College, Bennett Valley and the rest of Santa Rosa for mortgage broker services. Santa Rosa is roughly two hours from our Gold River office, and we handle Sonoma County loans entirely by phone, email and e-signature.
Ready to talk about mortgage broker services in Santa Rosa? 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: Mortgage Broker · All loan options · Purchase · Refinance · Today's rates
Area photo: "1020 McDonald Avenue, Santa Rosa" by Frank Schulenburg, CC BY-SA 3.0.
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