Folsom is fifteen minutes up Highway 50 from our Gold River office, and its combination of Folsom Lake, strong schools and major employers like Intel keeps demand high. We finance purchases and refinances throughout Folsom, including the new Folsom Ranch neighborhoods south of the freeway. 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 Folsom homeowners and their adult children through the details step by step.
Call Pacific National Lending for a reverse mortgage in Folsom: (916) 526-2700
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Folsom is a competitive, higher-priced market where many purchases push into jumbo territory and sellers expect a strong pre-approval before they take an offer seriously. Move-up buyers, relocating tech and healthcare professionals and long-time owners tapping equity are the borrowers we see most. The amount available on an Folsom reverse mortgage depends on the youngest borrower's age, the home's appraised value, current interest rates and the program's lending limit. Higher-value Folsom homes may benefit from proprietary jumbo reverse mortgages that exceed the HECM limit.
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Housing runs from 1980s and 90s neighborhoods in Broadstone, Empire Ranch and Lexington Hills to historic homes near Sutter Street and brand-new construction in Folsom Ranch south of Highway 50. Proceeds from an Folsom 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.
Reverse mortgages can also be used to purchase a home in Folsom. The HECM for Purchase program lets buyers 62 and older combine a larger down payment with reverse mortgage proceeds to buy a new home with no monthly mortgage payment, which is popular with downsizers and those moving closer to family.
We help borrowers with a reverse mortgage throughout Folsom, including Empire Ranch, Broadstone, Folsom Ranch, Historic Folsom, and across the Highway 50 corridor. Folsom is a short drive from our office, and in-person meetings are easy to arrange.
For a reverse mortgage in Folsom, 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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