Do You Need a San Rafael, 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 San Rafael to meet your needs
- Provide a custom spreadsheet that shows, in detail, all aspects of home ownership: the monthly payment, taxes, insurance, any San Rafael 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 — San Rafael Home Financing Expert
As a trusted and experienced home mortgage loan consultant for San Rafael 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 San Rafael – Did You Know?
San Rafael was once home to several Coast Miwok villages, until Mission San Rafael Arcángel was established in the now downtown area. It was the 20th Spanish mission in the colonial Mexican province of Alta California. It was run by three priests and was named after the Archangel Raphael, the Angel of Healing. Upgraded to full mission status in 1822 for its ideal weather, the mission was originally to be a hospital site for Central Valley American Indians who had become ill at the cold San Francisco Mission Dolores. Father Luis Gil was in charge there, and he spoke several Native American languages. Mexican government took over the California missions in 1834, so the Mission San Rafael was abandoned in 1844. The San Francisco and North Pacific Railroad ran to San Rafael in 1879, linking to the national rail network in 1888. Through World War II, the United States Navy operated a San Pablo Bay degaussing range from San Rafael.
San Rafael is the county seat of Marin County, California, and is located in the North Bay region of the San Francisco Bay Area, with a 2010 census population of57,713. The city became a center for the entertainment industry after the arrival of George Lucas in 1970 to film the movie THX 1138. Lucasfilm was founded in 1971, and is best known for the globally popular series Star Wars, as well as Indiana Jones. Parts of the company’s operations were moved to San Francisco in 2005, but the Universal movie production American Graffiti still was filmed in downtown San Rafael under George Lucas’s direction. And the movie Gattaca, starring Ethan Hawke, was mostly shot in the Marin County Civic Center. Industrial Light & Magic was started in 1975 by George for special effects work for his films and those of other filmmakers. The New Age music program Hearts of Space has been in the city since 2004.
The city has a total area of 22.4 square miles, with 16.5 square miles of land and 6.0 square miles of water. Notable landmarks include: Mission San Rafael Arcángel,, the Marin County Civic Center building (designed by Frank Lloyd Wright), the Rafael Film Center, China Camp State Park, Kerner Studios, and George Lucas’s Skywalker Ranch. San Rafael’s shoreline has been filled to a considerable measure for land development, with bay mud, or saturated clayed silt, underlying it up to 90 feet down. There are a wide diversity of natural habitats from forests to marshland and estuarine settings. The marshes house the endangered species called Salt Marsh Harvest Mouse. Riparian areas also exist, including the San Rafael Creek and Miller Creek corridors. The city has a Mediterranean climate with mild winter lows rarely getting to the freezing mark. The rainy season is from November to early April, and there are normally 64.3 days with measurable rain.
Quality of Life
San Rafael contains a number of parks, including the one regional park that serves statewide users, China Camp State Park. Next to that is McNear’s Beach Park, run by Marin County Parks, that has a pool that is open for public use. The city also has the community parks Albert Park, Boyd Park, Pickleweed Park and the Terra Linda Recreational Center. The San Rafael Pacifics baseball club founded in 2012 is in Albert Park. San Rafael has one university, Dominican University, and the Ali Akbar College of Music, founded by Indian musician Ali Akbar Khan to teach Indian classical music. Guide Dogs for the Blind, a guide dog training school also has a campus there. Phoenix Academy is a California Charter school for chemically dependent students who are trying to develop a drug- and alcohol-free lifestyle, make academic progress, address emotional issues, and make better career and vocational decisions. Interestingly, the term “420” – used in reference to Cannabis consumption – is thought to have started in San Rafael, probably at San Rafael High School.
Other Bay Area Cities I Serve