Los Gatos is a small, affluent town at the base of the Santa Cruz Mountains where Highway 17 leaves Silicon Valley, with a charming downtown on North Santa Cruz Avenue and Victorian homes a short walk away. We help Los Gatos buyers and homeowners with jumbo and super-jumbo purchase loans, refinances and equity financing. For many Los Gatos retirees, the home is their largest asset and their largest expense. A reverse mortgage can eliminate the monthly mortgage payment, provide a reserve for medical costs or home repairs, or simply make retirement more comfortable, and the homeowner keeps the title.
Call Pacific National Lending for a reverse mortgage in Los Gatos: (916) 526-2700
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Los Gatos is among the highest-priced communities in Santa Clara County, so jumbo financing, large down payments and complex executive compensation are the norm. Homes in the mountains above town add wells, private roads and wildfire insurance to the picture, and we sort out those property questions before they can delay a closing. The amount available on an Los Gatos 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 Los Gatos homes may benefit from proprietary jumbo reverse mortgages that exceed the HECM limit.
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Housing includes Victorians and bungalows in the Almond Grove and Glenridge districts near downtown, 1950s and 60s ranch homes in Blossom Hill Manor and Belwood, estates along Kennedy Road and Shannon Road, and mountain homes off Highway 17. We encourage Los Gatos 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 Los Gatos. 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.
Pacific National Lending serves Almond Grove, Glenridge, Downtown Los Gatos, Blossom Hill Manor and the rest of Los Gatos for a reverse mortgage. Los Gatos is about two and a half hours from our Gold River office, and our Los Gatos clients work with us entirely by phone, email and secure e-signature.
Ready to talk about a reverse mortgage in Los Gatos? Call (916) 526-2700 or apply online in a few minutes. There is no credit pull at the first step and no obligation.
Apply HereLearn more about the program itself: Reverse Mortgage · All loan options · Purchase · Refinance · Today's rates
Area photo: "View of Santa Cruz Ave Los Gatos" by Ramkumar Menon, CC BY-SA 4.0.
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