Davis is Yolo County's university town, home to UC Davis and one of the tightest housing markets in the Sacramento region. We help Davis buyers, homeowners and investors with purchase loans, refinances and rental property financing. A refinance is only worth doing when the math works, and Pacific National Lending starts every Davis refinance conversation with the numbers: the new rate, the closing costs, how many months it takes to recover those costs, and what you save over the time you expect to keep the home.
Call Pacific National Lending for mortgage refinancing in Davis: (916) 526-2700
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Inventory in Davis is chronically limited and prices run well above the county average, so buyers need strong pre-approvals and often jumbo or high-balance financing. The university also creates steady demand for investment properties and parent-assisted purchases for students. Refinancing an Davis home usually requires a new appraisal, income and asset verification and a credit review, though FHA and VA streamline refinances reduce that paperwork for borrowers who already have those loan types. We tell you up front which path applies to you.
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Housing includes 1950s to 70s homes in Old North and Central Davis, planned neighborhoods in South and West Davis, the Village Homes community, condos and townhomes near campus, and newer homes in North Davis and the Cannery. Cash-out refinances on Davis homes are frequently used for kitchen and bath remodels, adding an accessory dwelling unit, paying off credit cards or funding an investment property down payment. We help you decide between a cash-out refinance and a home equity line of credit based on your current rate and goals.
Refinancing can also shorten your term. Moving from a 30-year to a 15- or 20-year loan raises the payment but can save a large amount of interest, and many Davis homeowners nearing retirement choose this path to own the home free and clear sooner.
Pacific National Lending serves Downtown Davis, Old North Davis, Village Homes, South Davis and the rest of Davis for mortgage refinancing. Davis is about forty minutes from our Gold River office via I-80, and most Davis clients work with us by phone 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 mortgage refinancing in Davis.
Apply HereLearn more about the program itself: Mortgage Refinance · All loan options · Purchase · Refinance · Today's rates
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