El Dorado Hills is one of the most sought-after communities in the Sacramento region, built into the oak-covered foothills of western El Dorado County just east of Folsom. We help buyers and homeowners here with everything from jumbo purchases in Serrano to refinances and home equity lines. A reverse mortgage in El Dorado Hills lets homeowners age 62 and older convert part of their home equity into cash, a line of credit or monthly income while continuing to own and live in the home, with no monthly mortgage payment required. Pacific National Lending explains reverse mortgages honestly so El Dorado Hills homeowners and their families can decide with confidence.
Call Pacific National Lending for a reverse mortgage in El Dorado Hills: (916) 526-2700
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Home prices in El Dorado Hills run well above the regional average, so jumbo loans, larger down payments and careful structuring are common here. Buyers include executives, physicians and business owners, many of them self-employed, which makes flexible documentation and bank-statement options especially valuable. To qualify for a reverse mortgage in El Dorado Hills, the youngest borrower must be at least 62, the home must be your primary residence and you need enough equity to pay off any existing mortgage from the proceeds. Lenders also verify that you can keep paying property taxes, homeowners insurance and any HOA dues.
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Housing includes gated golf-course neighborhoods in Serrano, custom homes with views in Promontory and Ridgeview, established 1980s and 90s subdivisions off El Dorado Hills Boulevard, and newer construction in Blackstone and Heritage. We encourage El Dorado Hills homeowners to include family members and financial advisors in the conversation. A reverse mortgage affects the estate, and the best outcomes happen when everyone understands the numbers before signing.
Common reasons El Dorado Hills homeowners choose a reverse mortgage include paying off an existing mortgage, funding in-home care, delaying Social Security, covering a large repair or simply creating a reserve for peace of mind. The right reason is the one that fits your plan.
Pacific National Lending serves Serrano, Blackstone, Promontory, Ridgeview and the rest of El Dorado Hills for a reverse mortgage. El Dorado Hills is about fifteen minutes up Highway 50 from our Gold River office.
Ready to talk about a reverse mortgage in El Dorado Hills? 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: Reverse Mortgage · All loan options · Purchase · Refinance · Today's rates
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