Do You Need a Mill Valley, CA Mortgage Broker?
Whether You Are Buying a Home, Making an Investment or Refinancing, We Can Help!
Sara and I have guided hundreds of people through the home buying and refinancing process. If you choose to work with us, we will:
- Help you put together a complete and comprehensive application, one that will highlight your qualifications
- Explain your options and provide tools so you can choose the best home mortgage available in Mill Valley to meet your needs
- Provide a custom spreadsheet that shows, in detail, all aspects of home ownership: the monthly payment, taxes, insurance, any Mill Valley HOA dues, closing costs and your specific tax benefits
- Provide your realtor with a spot on pre-approval letter that will boost your offering power
- Ensure all of your personal information is handled with the highest levels of security, privacy and discretion
We are hands on. We prepare all the paperwork, underwrite your file and deal with the lenders. We will work with you from start to finish, and won’t hand your file off to a mindless worker bee who doesn’t know you. You relax while we do the work!
The Process We Will Guide You Through
We will guide you through the entire home mortgage financing process, from start to finish. Let us help you achieve mortgage success through our five easy steps!
- Step #1: Pre-Qualification
- Step #2: Pre-Approval
- Step #3: The Escrow
- Step #4: Closing
- Step #5: Keeping in Touch
Natasha Lovas — Mill Valley Home Financing Expert
As a trusted and experienced home mortgage loan consultant for Mill Valley residences, Natasha is a natural pick to guide you through the tricky home loan process. Her vast expertise, coupled with her efficiency and enthusiasm, ensures that you will get the right loan and the best rate. Before becoming a professional mortgage broker, Natasha was a civil litigator in San Francisco. While skilled at organizing and presenting cases, she realized her true strength was in advocating for her clients. So, in 1993, she took her litigation skills to the mortgage table. Her personalized approach is what has made her one of the most trusted and sought after loan professionals in the Bay Area. She loves helping people one-on-one with the most fundamental part of their lives: their homes.
Are You Moving to Mill Valley – Did You Know?
Marin County was originally inhabited by the Coast Miwok, 6,000 years ago, from Marin County to Bodega Bay in the north. On Locust Avenue between Sycamore and Walnut Avenues, there is a plaque in the sidewalk in the area believed to be the birthplace of Chief Marin in 1871. The Mission era had ended in 1934, and California was with the Mexican government, who took Miwok ancestral lands and divided them up to Mexican soldiers or relatives who had connections with the Mexican governor. Many famous local landmarks were constructed with the help of the Works Progress Administration and the Civilian Conservation Corps during WWII, including the Mead Theater at Tam High. By 1950, Mill Valley was still relatively rural with men commuting San Francisco on the Greyhound bus. The Mill Valley Air Force Station was built to protect the area during the Korean War, and in 1956, a group of Beat poets and writers lived briefly in the Perry house, most notably Jack Kerouac and San Francisco Renaissance Beat poet Gary Snyder.
Mill Valley’s premiere spot beneath Mount Tamalpais combined with its ease of access to nearby San Francisco has made it a popular home for many high-income commuters. Following a 20 year trend endemic throughout the Bay Area, housing prices have climbed in Mill Valley, in excess of $1.5 million as of 2005, push out earlier residents who can no longer afford to live in the area. Mill Valley’s commercial activity has been transformed by this phenomenon, with famous music store Village Music having closed and been replaced by commercial establishments, to prove it. CNN/ Money and Money magazine ranked Mill Valley tenth on its list of the 100 Best Places to Live in the United States in 2005. And MSN and Forbes magazine ranked Mill Valley seventy-third on its “Most expensive zip codes in America” list in 2007.
The total area of Mill Valley is 4.8 square miles, 4.7 square miles of land and 0.1 square miles of water. In zip code 94941, the Mill Valley land falles between Mt. Tamalpais on the west, the city of Tiburon on the east, the City of Corte Madera on the north, and the Golden Gate National Recreational Area to the south. Mill Valley is surrounded by hundreds of acres of state, federal, and county park lands from Mt. Tamalpais through Mill Valley to the bay, including the Arroyo Corte Madera del Presidio and Cascade Creek. There are many municipally maintained open-space reserves, parks, and coastal habitats which form the Mill Valley natural wilderness. Most residents have a strong sense of conservancy toward much of this natural environment, which is a cultural attitude that forms a cultural cornerstones that has always defined Mill Valley. Mill Valley has a number of scenic and natural features for habitat for fishes, marine mammals, and other biota, such as, Bayfront Park and Bothin Marsh Open Space Preserve, and Elizabeth Terwilliger Marsh.
Quality of Life
While Mill Valley has kept parts of its earlier artistic culture through galleries, festivals, and performances, its cache of affordable housing has diminished, causing some residents to leave the area. In early 2010, registered Democrats outnumbered local Republicans 5 to 1, which is common to the heavily Liberal-Progressive San Francisco area. Mill Valley also shows a Libertarian political trend. Mill Valley has many parks which often contain playgrounds and other designated areas specifically designed for playing various sports. Dogs need to be on leashes in all but one of these parks. Mill Valley has an expensive and popular “steps, lanes, and paths program” that provides better pedestrian access between many of the winding and twisting residential roads covering the hillsides. The Dipsea trail stairs consist of 688 steps in three flights, including the Tenderfoot Trail, Zigzag Trail, Cypress Trail, Edgewood Trail, Cowboy Rock Trail, Pixie Trail, Homestead Trail, Dipsea trail, and Muir Woods to Bootjack Trail.
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