San Rafael is the Marin County seat and its largest city, founded around Mission San Rafael Arcangel and known today for its Fourth Street downtown, the Frank Lloyd Wright civic center and hillside neighborhoods above the bay. We help San Rafael 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 San Rafael homeowners and their adult children through the details step by step.
Call Pacific National Lending for a reverse mortgage in San Rafael: (916) 526-2700
Apply Here
Nearly every San Rafael purchase is a jumbo loan, and well-located homes routinely sell with multiple offers, so a fully underwritten pre-approval matters here. Buyers range from San Francisco professionals to long-time Marin families moving up, and the mid-century Eichler neighborhoods of Terra Linda and Lucas Valley have a following of their own. 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 San Rafael family.
Get Pre-approved
Housing includes Victorians and older homes in Gerstle Park and Dominican, Eichler and ranch homes in Terra Linda, Marinwood and Lucas Valley, hillside homes in Sun Valley, and golf-course and waterfront homes in Peacock Gap and along the canal. Proceeds from an San Rafael reverse mortgage can be taken as a lump sum, monthly payments, a growing line of credit or a combination. Many homeowners choose the line of credit, which grows over time and can be tapped as needed without a monthly payment.
Reverse mortgages can also be used to purchase a home in San Rafael. 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 San Rafael, including Gerstle Park, Dominican, Terra Linda, Sun Valley, and across central Marin County. San Rafael is about an hour and forty-five minutes from our Gold River office, and our Marin clients work with us by phone, email and secure e-signature.
For a reverse mortgage in San Rafael, 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
© 2026, Pacific National Lending, all rights reserved. Created and managed by 1 Stop Link. Images & icons used on the website are either original, free or purchased on pexels.com, unsplash.com, vecteezy.com, fontawesome.com or other platforms. The display of logos, seals and emblems is not meant to show affiliation between us and their owners. This use falls under the fair use category of copyright protected images.