Fair Oaks is a tree-lined community along the American River just east of our Gold River office, known for Fair Oaks Village, its bluffs and its larger lots. We finance homes throughout Fair Oaks, from the village to the newer neighborhoods near Madison Avenue. Reverse mortgages have changed a great deal, and today's FHA-insured Home Equity Conversion Mortgage (HECM) includes consumer protections, required counseling and non-recourse terms. Pacific National Lending walks Fair Oaks homeowners and their adult children through the details step by step.
Call Pacific National Lending for a reverse mortgage in Fair Oaks: (916) 526-2700
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Fair Oaks draws buyers who want space, mature trees and river access without leaving the Sacramento suburbs. Prices range widely from modest ranch homes to estate properties, so we see everything from FHA and conventional purchase loans to jumbo financing and equity lines for remodels. 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 Fair Oaks family.
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Housing includes 1950s to 70s ranch homes on large lots near Fair Oaks Village and Phoenix Field, custom and semi-custom homes along the river bluffs, and 1980s and 90s subdivisions north of Madison Avenue. Proceeds from an Fair Oaks 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 Fair Oaks 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 Fair Oaks Village, Fair Oaks Bluffs, Phoenix Field, Sunset Avenue corridor and the rest of Fair Oaks for a reverse mortgage. Fair Oaks is ten minutes from our Gold River office.
For a reverse mortgage in Fair Oaks, 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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