Novato is Marin County's northernmost city, with a small-town Old Town along Grant Avenue, oak-covered hills and the redeveloped Hamilton neighborhood on the former Air Force base. We help Novato buyers and homeowners with high-balance and jumbo purchase loans, refinances, reverse mortgages and equity lines. A refinance is only worth doing when the math works, and Pacific National Lending starts every Novato 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 Novato: (916) 526-2700
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Novato is the most attainable entry point into Marin County, which brings in move-up families from Sonoma County and buyers priced out of southern Marin. Even so, most purchases require high-balance conforming or jumbo financing, and the city's many condo and townhome communities need a lender who checks HOA approval before an offer is written. A rate-and-term refinance in Novato replaces your current loan with a new one at a better rate or different term, while a cash-out refinance increases the loan balance and pays the difference to you at closing. Cash-out loans typically allow borrowing up to 80 percent of the home's value on a conventional loan.
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Housing includes 1950s to 70s ranch homes in central Novato and San Marin, newer homes and townhomes at Hamilton and Pointe Marin, golf-course homes around Marin Country Club, wooded lots in Indian Valley and Pacheco Valle, and waterfront homes in Bel Marin Keys. If you have an existing low-rate first mortgage in Novato, refinancing the whole loan to access cash may not be the best move. We will say so, and we will show you the alternatives, including a HELOC or a second mortgage that leaves your first loan untouched.
Homeowners in Novato with FHA loans can often refinance into a conventional loan to remove mortgage insurance once they reach 20 percent equity, which can save hundreds per month. We run that comparison for every FHA borrower who asks.
Our mortgage refinancing clients in Novato come from Hamilton, San Marin, Old Town Novato, Marin Country Club and every other part of northern Marin County. Novato is about an hour and forty minutes from our Gold River office via I-80 and Highway 37.
For mortgage refinancing in Novato, 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 Refinance · All loan options · Purchase · Refinance · Today's rates
Area photo: "Hamilton, Novato, California (7385088284)" by Sharon Hahn Darlin, CC BY 2.0.
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