Granite Bay is an upscale, unincorporated Placer County community on the west shore of Folsom Lake, known for large lots, custom homes and gated neighborhoods. We help Granite Bay buyers and homeowners with jumbo purchase loans, refinances and home equity financing. 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 Granite Bay homeowners and their adult children through the details step by step.
Call Pacific National Lending for a reverse mortgage in Granite Bay: (916) 526-2700
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Granite Bay is one of the highest-priced markets in the Sacramento region, so most purchases require jumbo financing and many of our clients here are self-employed business owners, executives and physicians who need flexible documentation. Long-time owners frequently use HELOCs and cash-out refinances for remodels and investments. 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 Granite Bay family.
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Housing includes gated communities such as Los Lagos, Wexford and Treelake Village, custom estates on acreage off Douglas Boulevard and Auburn-Folsom Road, and 1980s and 90s homes in established subdivisions like Treelake and Granite Bay Hills. We encourage Granite Bay 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.
Reverse mortgages can also be used to purchase a home in Granite Bay. 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 Granite Bay, including Los Lagos, Treelake Village, Wexford, Granite Bay Hills, and across south Placer County. Granite Bay is about twenty minutes from our Gold River office.
For a reverse mortgage in Granite Bay, 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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