Santa Rosa is the Sonoma County seat and the largest city in the North Bay, stretching from historic Railroad Square and the McDonald Avenue mansions to the hillside neighborhoods of Fountaingrove and Bennett Valley. We help Santa Rosa buyers and homeowners with purchase loans, jumbo financing, refinances, reverse mortgages and equity lines. For many Santa Rosa 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 Santa Rosa: (916) 526-2700
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Santa Rosa is the North Bay's broadest market, with first-time buyers using FHA and conventional loans in the west and southwest, move-up families in Rincon Valley and Bennett Valley, and jumbo buyers in Fountaingrove and Skyhawk. After the 2017 fires many neighborhoods were rebuilt with brand-new homes, and wildfire insurance availability is now a standard part of qualifying on the city's eastern edge. The amount available on an Santa Rosa 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 Santa Rosa homes may benefit from proprietary jumbo reverse mortgages that exceed the HECM limit.
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Housing includes Victorians and bungalows near downtown and the Junior College, 1950s to 80s neighborhoods in Rincon Valley and Bennett Valley, rebuilt homes in Coffey Park and Fountaingrove, the Oakmont 55-plus community, and newer subdivisions in the southwest. Proceeds from an Santa Rosa 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 Santa Rosa. 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 Railroad Square, McDonald Avenue, Junior College, Bennett Valley and the rest of Santa Rosa for a reverse mortgage. Santa Rosa is roughly two hours from our Gold River office, and we handle Sonoma County loans entirely by phone, email and e-signature.
Ready to talk about a reverse mortgage in Santa Rosa? 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: "1020 McDonald Avenue, Santa Rosa" by Frank Schulenburg, CC BY-SA 3.0.
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