Elk Grove is the largest suburb south of Sacramento and one of the region's most active housing markets, with everything from master-planned Laguna neighborhoods to acreage in Sheldon. We help Elk Grove buyers, homeowners and investors with purchase loans, refinances and equity financing. A reverse mortgage in Elk Grove 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 Elk Grove homeowners and their families can decide with confidence.
Call Pacific National Lending for a reverse mortgage in Elk Grove: (916) 526-2700
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Elk Grove attracts families relocating for Elk Grove Unified schools and newer homes at prices below the Bay Area, along with first-time buyers using FHA and conventional low-down-payment programs. Continued new construction in the south and east means buyers often compare builder financing to outside options. A reverse mortgage is a non-recourse loan: neither you nor your heirs will ever owe more than the home is worth when it is sold. Heirs can keep the home by paying off the balance or refinancing, or sell it and keep any remaining equity. We explain these outcomes clearly to every Elk Grove family.
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Housing runs from 1990s homes in Laguna and Laguna West to 2000s-and-newer subdivisions in East Elk Grove, Stonelake and the Lent Ranch area, older homes near Old Town Elk Grove, and rural acreage in Sheldon. Proceeds from an Elk Grove reverse mortgage can be taken as a lump sum, monthly payments, a growing line of credit or a combination. Many homeowners choose the line of credit, which grows over time and can be tapped as needed without a monthly payment.
Common reasons Elk Grove 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.
Our a reverse mortgage clients in Elk Grove come from Laguna, Laguna West, Stonelake, East Elk Grove and every other part of south Sacramento County. Elk Grove is about thirty minutes from our Gold River office via Highway 50 and I-5 or Bradshaw Road.
For a reverse mortgage in Elk Grove, 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: Reverse Mortgage · All loan options · Purchase · Refinance · Today's rates
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