Richmond wraps around thirty-two miles of San Francisco Bay shoreline in west Contra Costa County, with BART, a ferry to San Francisco and neighborhoods as different as historic Point Richmond and the waterfront homes of Marina Bay. We help Richmond buyers, homeowners and investors with FHA, VA, conventional and jumbo 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 Richmond homeowners and their adult children through the details step by step.
Call Pacific National Lending for a reverse mortgage in Richmond: (916) 526-2700
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Richmond remains one of the most affordable places to buy near the center of the Bay Area, so it draws first-time buyers using FHA and low-down-payment conventional loans, along with investors buying two-to-four-unit properties. Many homes date from the 1920s through the 1940s, which makes property condition, appraisal repairs and renovation-friendly financing common topics. 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 Richmond family.
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Housing includes early-1900s homes in Point Richmond, 1920s to 40s bungalows in the North and East neighborhood and the Richmond Annex, condos and townhomes at Marina Bay and Brickyard Cove, and 1970s and 80s homes around Hilltop. We encourage Richmond 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.
To find out how much a reverse mortgage could provide on your Richmond home, call (916) 526-2700 for a no-pressure conversation. We will give you real numbers and honest guidance, and there is never an obligation.
Our a reverse mortgage clients in Richmond come from Point Richmond, Marina Bay, Richmond Annex, North and East and every other part of west Contra Costa County. Richmond is about an hour and a half from our Gold River office via I-80.
For a reverse mortgage in Richmond, 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
Area photo: "Point Richmond houses (4589842386)" by nick fullerton, CC BY 2.0.
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