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. VA loans are the strongest home financing benefit available to those who have served, and Pacific National Lending makes sure San Rafael veterans get the full value of it: no down payment, competitive rates, no monthly mortgage insurance and limits on the closing costs a veteran can be charged.
Call Pacific National Lending for VA loans in San Rafael: (916) 526-2700
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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. Instead of mortgage insurance, VA charges a one-time funding fee that can be financed into the loan, and veterans receiving VA disability compensation are exempt from it. We calculate the fee for your specific situation so the true cost of a VA loan in San Rafael is clear from the start.
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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. The VA appraisal checks value and the VA's minimum property requirements, which cover safety, structural soundness and sanitation. We help San Rafael buyers understand which properties are likely to pass and how to handle repairs when a home needs them.
Veterans who already have a VA loan in San Rafael may qualify for a VA Interest Rate Reduction Refinance Loan (IRRRL), a streamlined refinance with minimal documentation, or a VA cash-out refinance to access equity. We handle both.
Our VA loans clients in San Rafael come from Gerstle Park, Dominican, Terra Linda, Sun Valley and every other part of 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.
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 VA loans in San Rafael.
Apply HereLearn more about the program itself: VA Loans · All loan options · Purchase · Refinance · Today's rates
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