Modesto is the Stanislaus County seat and the hub of the central San Joaquin Valley, with tree-lined older neighborhoods, the master-planned Village One community and a strong agricultural economy. We help Modesto buyers, homeowners and investors with purchase loans, refinances and rental property 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 Modesto homeowners and their adult children through the details step by step.
Call Pacific National Lending for a reverse mortgage in Modesto: (916) 526-2700
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Modesto's affordability relative to the Bay Area and Sacramento draws first-time buyers, commuters and investors, and FHA, VA and conventional low-down-payment loans are all common here. Long-time homeowners frequently refinance or open HELOCs to fund improvements on older homes. 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 Modesto family.
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Housing ranges from 1920s to 50s homes in the College area and downtown to 1960s to 80s neighborhoods along McHenry Avenue, 1990s and 2000s subdivisions in Village One and northeast Modesto, and newer construction on the north and east edges of the city. Our reverse mortgage process in Modesto begins with an honest conversation about whether it is the right tool, and sometimes it is not. If a reverse mortgage fits, we help schedule the required HUD counseling session, order the appraisal and guide you through closing, usually in four to six weeks.
Common reasons Modesto 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.
We help borrowers with a reverse mortgage throughout Modesto, including Village One, College Area, Downtown Modesto, McHenry Avenue corridor, and across the central San Joaquin Valley. Modesto is about an hour and fifteen minutes from our Gold River office, and we handle Modesto loans by phone, email and e-signature.
For a reverse mortgage in Modesto, 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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