Home Purchase Loans
Core loan programs for buying a primary, second, or investment property in Marin County
Marin County's Highest-Rated Mortgage Broker
The San Rafael Mortgage Broker That Beats Every Bank in Marin County
Wholesale rates, 30+ lending options, and communication so thorough your real estate agent will thank you. Serving first-time buyers, investors, self-employed professionals, and seniors throughout all of Marin County.
5.0 Stars
150+ Verified Reviews
30+ Lenders
Wholesale Channel Only
Real-Time App
Updates at Every Milestone
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Broker vs. Bank
Why Marin Homebuyers Choose a Broker Over a Bank
When you walk into a bank, they offer you one set of rates from one lender. We operate in the wholesale lending channel — the same channel banks use internally — and we shop 30+ lenders simultaneously to find your best rate, program, and terms. It's not even a fair fight.
Wholesale Pricing Beats Retail Every Time
We access the same wholesale rates banks use internally. You get the institutional pricing without the institutional bureaucracy.
Real-Time Communication — App + Direct Access
Our client app sends updates at every loan milestone. Your loan officer is reachable directly — not buried in a call center queue.
Faster, More Efficient Process
Our streamlined workflow means faster pre-approvals, cleaner submissions, and closings that don't derail your deal.
Niche Programs Banks Won't Touch
Self-employed? Complex income? Investor? We have specialty wholesale programs designed specifically for Marin County's diverse buyer profile.
Feature
Us (Broker)
Big Bank
Lender options
30+ wholesale lenders
✗ 1 (themselves)
Rate shopping
We shop for you
✗ You're on your own
Self-employed loans
Specialty programs
✗ Often declined
Communication
App + direct access
✗ Call center queue
Jumbo loan options
Multiple programs
✗ Limited
Process speed
Optimized & fast
✗ Slow bureaucracy
Investor programs
DSCR + portfolio
✗ Restricted
Loan Programs & Services
59 Mortgage Programs — Every Situation Covered in Marin County
From your first home purchase to complex investor financing, self-employed income reviews to CalHFA assistance — we have the right product at the right wholesale rate. No bank comes close.
Refinance Solutions
Rate, term, cash-out, and streamline refinancing for existing Marin County homeowners
Specialty & Alternative Loans
Niche, non-QM, investor, equity, and renovation loan products — programs no bank will offer you
Down Payment & Homebuyer Assistance
First-time buyer programs, CalHFA, and Marin County down payment assistance
Mortgage Services & Expert Guidance
Pre-approval, income review, credit tools, and loan process support — where our communication advantage shines
Our Process
A Smarter, Faster Mortgage Process — From First Call to Keys in Hand
Our process is engineered to be the most efficient in Marin County. You'll always know exactly where your loan stands — and why. No black holes, no surprises.
1
Discovery Call
We learn your goals, timeline, and financial picture. 20 minutes that sets everything up correctly.
2
Pre-Approval
We review your docs and issue a strong pre-approval letter that sellers and agents respect.
3
Lender Shopping
We run your scenario through 30+ wholesale lenders and present the best rate & program for you.
4
Loan Processing
Our app keeps you and your agent informed at every milestone. No chasing us for updates.
5
Close & Celebrate
A smooth, on-time close. We make sure your real estate agent has everything they need, too.
Client Reviews
What Marin County Homebuyers Say About Us
5.0
★★★★★
150+ verified reviews
Google · Yelp · Zillow
★★★★★
We were first-time buyers completely overwhelmed by the process. From our very first call, everything was explained clearly. We closed two weeks early, got an incredible rate, and the communication was unlike anything our friends had experienced with their banks.
Sarah K.
First-Time Buyer · San Rafael
★ Google Review
★★★★★
I'm self-employed with a complex income structure. Three banks turned me down. Marin Mortgage Brokers found me a bank statement loan at a rate I didn't think possible. They clearly know their niche products inside and out.
Michael P.
Self-Employed Buyer · Mill Valley
★ Yelp Review
★★★★★
As a real estate agent in Marin, I've worked with every lender in the county. I send all my clients here now. The communication is extraordinary — I always know where the loan stands without having to chase anyone down.
Jennifer T.
Realtor · Marin County
★ Zillow Review
Service Areas
Your Mortgage Broker for Every Corner of Marin County
Based in San Rafael and deeply embedded in the Marin County real estate market, we serve every city and community in the county. If you're buying or refinancing in Marin, we know your market.
Common Questions
Frequently Asked Questions — Marin County Mortgages
Real answers from your San Rafael mortgage broker.
Why use a mortgage broker instead of a bank in Marin County?
A mortgage broker accesses wholesale lending rates that retail banks charge their own customers a markup on. We shop 30+ wholesale lenders simultaneously, meaning you get lower rates, more program options, and specialized products banks won't offer — all with a single application.
How quickly can I get a mortgage pre-approval?
Most clients receive a pre-approval letter within 24 hours of submitting their documents. In competitive Marin County markets, speed matters — we prioritize fast turnarounds so your offer is competitive the moment you find a home.
Can self-employed borrowers qualify for a mortgage in Marin?
Absolutely. Self-employed mortgages are one of our specialties. We offer bank statement loans (12 or 24 months of deposits), 1099 income programs, P&L statement loans, and asset depletion programs — all designed for borrowers with complex income that traditional lenders misunderstand.
What loan limits apply in Marin County?
Marin County is a high-cost area. The conventional conforming loan limit is higher than the national baseline, and we offer jumbo loans for properties exceeding those limits — common in Marin's luxury market. We work with loans from $200K to $5M+.
Do you work with first-time home buyers?
First-time buyers are our most important clients. We specialize in explaining every step of the process — from understanding your purchasing power and protecting your deposit during contingency removal, to explaining your loan documents before you sign anything.
What areas of Marin County do you serve?
We serve all of Marin County including San Rafael, Novato, San Anselmo, Fairfax, Corte Madera, Kentfield, Ross, Larkspur, Tiburon, Mill Valley, and Sausalito. We can meet at our San Rafael office, come to you, or handle everything remotely.
Ready to Get Started?
Find Out What Wholesale Mortgage Rates Can Do For Your Home Purchase
No commitment. No credit pull. Just a clear picture of your buying power and the rates available to you today — from the most trusted mortgage broker in Marin County.