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Novato runs second to San Rafael in population and first in square feet per dollar, which makes it where most first purchases in the county actually happen.
Explore mortgage options in Novato, Marin County, California. Compare 25+ loan programs including conventional, FHA, VA, jumbo, and investment property financing. Get personalized rates and expert guidance from SRK CAPITAL's local mortgage team.
Where Marin is still within reach
Paste a listing URL and get a detailed breakdown of which loan programs fit the property, with payment examples and risk flags.
Novato is usually where it happens. Get pre-approved and see exactly what that buys.
A former air base redeveloped into housing, with preserved hangars and a flat street grid.
A waterfront development on the bay with canals and private docks.
A valley on the western side with larger lots and open space around it.
An established residential area of consistent family houses.
The old commercial street with restored buildings and the houses behind them.
* Rates shown as of and subject to change without notice.
* Rate scenario based on: $650,000 loan amount, 20% down payment ($812,500 purchase price), 740+ credit score, owner-occupied single-family home, with impounds.
* Your actual rate may vary based on your specific credit profile, loan amount, down payment, and other factors.
* APR fees include: $1,350 lender underwriting fee, $80 lender doc fee, $995 processing fee, $149.50 credit report, and third-party fees (title, escrow, appraisal).
* Contact an SRK CAPITAL loan officer for a personalized rate quote.
NMLS #2043372 | DRE #01961971
Equal Housing Lender | © SRK CAPITAL INC.
Homebuyers in Novato weigh loan programs, neighborhood pricing, and lender fit before locking a rate.
As one of the communities that make up Marin County in the Bay Area, Novato moves with county-wide lending trends while keeping its own inventory and pricing rhythm.
Novato buyers choose among conventional, FHA, VA, and jumbo paths — each with its own down-payment floor, credit expectations, and county loan limits.
Novato borrowers frequently compare options against nearby communities such as Belvedere, Corte Madera, Fairfax.
There are roughly 137 active listings available.
Updated 9/8/2026
Marin Ca Novato is updated daily with practical mortgage guidance for this page.