Sebastopol is the small town at the center of west Sonoma County, where Gravenstein apple orchards and vineyards surround a walkable downtown and The Barlow market district. We help Sebastopol buyers and homeowners with conventional and jumbo financing for in-town homes, country properties and acreage. 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 Sebastopol homeowners and their adult children through the details step by step.
Call Pacific National Lending for a reverse mortgage in Sebastopol: (916) 526-2700
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Sebastopol buyers are usually looking for character and land: a bungalow near downtown, or a few acres with a well, a septic system and maybe a second unit or studio. Prices regularly reach jumbo amounts, and rural features like shared roads, outbuildings and agricultural surroundings make it important to choose a lender who knows how those properties appraise. The amount available on an Sebastopol 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 Sebastopol homes may benefit from proprietary jumbo reverse mortgages that exceed the HECM limit.
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Housing includes early-1900s bungalows and farmhouses near downtown, mid-century neighborhoods off Pleasant Hill Road, and country homes on acreage along Gravenstein Highway, Bodega Highway and Burnside Road and out toward Graton. Our reverse mortgage process in Sebastopol 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.
Reverse mortgages can also be used to purchase a home in Sebastopol. 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 Downtown Sebastopol, The Barlow, Pleasant Hill Road, Gravenstein Highway and the rest of Sebastopol for a reverse mortgage. Sebastopol is a little over two hours from our Gold River office, and our west county clients work with us by phone, email and e-signature.
Call Pacific National Lending at (916) 526-2700 or start your application online. We will review your goals, explain your options in plain English and give you real numbers for a reverse mortgage in Sebastopol.
Apply HereLearn more about the program itself: Reverse Mortgage · All loan options · Purchase · Refinance · Today's rates
Area photo: "Luther Burbank's cottage" by Frank Schulenburg, CC BY-SA 3.0.
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