Sebastopol is the small town at the center of west Sonoma County, where Gravenstein apple orchards and vineyards surround a walkable downtown and The Barlow market district. We help Sebastopol buyers and homeowners with conventional and jumbo financing for in-town homes, country properties and acreage. A refinance is only worth doing when the math works, and Pacific National Lending starts every Sebastopol 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 Sebastopol: (916) 526-2700
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Sebastopol buyers are usually looking for character and land: a bungalow near downtown, or a few acres with a well, a septic system and maybe a second unit or studio. Prices regularly reach jumbo amounts, and rural features like shared roads, outbuildings and agricultural surroundings make it important to choose a lender who knows how those properties appraise. Because we broker refinances to many lenders, Sebastopol homeowners are not limited to their current servicer's offer. We can often reduce or eliminate lender fees, apply lender credits toward closing costs, or find a program that fits changed income or credit.
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Housing includes early-1900s bungalows and farmhouses near downtown, mid-century neighborhoods off Pleasant Hill Road, and country homes on acreage along Gravenstein Highway, Bodega Highway and Burnside Road and out toward Graton. Our refinance process in Sebastopol takes about three to four weeks from application to funding. You will receive a written estimate, we will lock the rate when it makes sense, order the appraisal and handle underwriting conditions, and you sign with a mobile notary at your convenience.
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 Sebastopol homeowners nearing retirement choose this path to own the home free and clear sooner.
Our mortgage refinancing clients in Sebastopol come from Downtown Sebastopol, The Barlow, Pleasant Hill Road, Gravenstein Highway and every other part of west Sonoma County. Sebastopol is a little over two hours from our Gold River office, and our west county clients work with us by phone, email and e-signature.
For mortgage refinancing in Sebastopol, 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: "Luther Burbank's cottage" by Frank Schulenburg, CC BY-SA 3.0.
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