For eligible homeowners aged 62 and older, reverse mortgages can convert a portion of home equity into cash, a line of credit, or monthly payments—without mandatory monthly mortgage payments. In Granite Bay, this can help supplement retirement income, fund renovations for aging-in-place, or establish a safety reserve that grows with the unused line of credit over time.
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Borrowers remain responsible for taxes, insurance, and property upkeep, but gain the flexibility to draw funds when needed. We explain safeguards, non-recourse protections, and options for spouses. Our modeling compares lump-sum versus adjustable line structures, helping you tailor a plan that supports healthcare, family needs, and long-term financial resilience.
Apply HereConventional, FHA, VA, USDA, Jumbo Loans
First-Time Homebuyer Programs
Refinance and Cash-Out Options
Down Payment Assistance Guidance
Conventional, FHA, VA, USDA, Jumbo Loans
Few First-Time Buyer Solutions
Refinance and Cash-Out Options
Minimal Down Payment Support
15+ Years Serving California Homebuyers
In-Depth Knowledge of Sacramento & Placer Markets
Dedicated Local Team
High Employee Turnover
Limited Understanding of Local Markets
Remote or Rotating Staff
Direct Access to Loan Officers
Fast Response Times
Step-by-Step Guidance from Application to Closing
Ability to Work with Difficult Applications
Call Centers or Automated Systems
Delayed or Infrequent Communication
Minimal Guidance During Process
Unclear Status Updates
We encourage family participation in consultations so everyone understands obligations and timelines. Our team coordinates counseling, appraisal, title work, and closing so the process feels respectful and transparent. Whether you want to reduce monthly expenses or unlock equity strategically, we provide patient, thorough support every step.
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1. We provide clear illustrations showing how reverse mortgage lines of credit can grow, how interest accrues, and how equity is impacted under different home price paths. This helps Granite Bay homeowners decide whether a reverse mortgage aligns with estate plans or whether alternatives—like downsizing or a HELOC—would better fit their goals.
2. If you still have a traditional mortgage, a reverse loan can eliminate that required payment and improve cash flow. We coordinate payoff logistics, explain closing costs, and review scenarios that combine modest draws today with a standby line for future contingencies, preserving flexibility while adding financial peace of mind.
3. For heirs, we outline options at maturity: repay the balance and keep the home, sell the property, or let the lender take title if the loan exceeds value. Because the loan is non-recourse, no one is responsible beyond the home’s value. Our role is to demystify each step so families can make confident, well-timed choices.
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