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The Novato real estate market in Marin County shows a median home price of $650,000 with an average price per square foot of $450/sq ft. Properties typically sell within 30 days and there are currently 500 homes on the market.
SRK CAPITAL provides comprehensive mortgage services for Novato residents, including purchase loans, refinancing, FHA loans, VA loans, and jumbo mortgages. Our local expertise in the Marin County market ensures you get the best rates and terms available.
Last updated: 2026-01-01
Discover Novato's spacious family communities and 3,600 acres of protected open space, just 29 miles north of San Francisco with SMART train access.
Marin's largest city with oak-studded hills and valley living
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* Rates shown as of 3/8/2026 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, $99.50 credit report, and third-party fees (title, escrow, appraisal).
* Contact an SRK CAPITAL loan officer for a personalized rate quote.
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Master-planned community built on former military base with parks, trails and recreational facilities
Exclusive waterfront community with 702 homes surrounding two 100-acre lagoons with bay access
Country setting with acre-plus lots perfect for horse enthusiasts, offering privacy and hill views
Family-friendly neighborhood with highly-rated elementary school, surrounded by rolling hills
Historic Grant Avenue district with restored buildings, shops, restaurants and breweries
Paste a listing URL and get a detailed breakdown of which loan programs fit the property, with payment examples and risk flags.
Discover mortgage opportunities in communities near Novato
Mortgage financing for independent contractors and freelancers who earn 1099 income instead of traditional W-2 wages.
Mortgage programs that allow borrowers to qualify based on liquid assets rather than traditional employment income.
Non-QM loans that use 12 to 24 months of bank statements to verify income for self-employed borrowers.
Short-term financing that bridges the gap between buying a new property and selling an existing one.
Debt Service Coverage Ratio loans that qualify investors based on a rental property's income rather than personal income.
Mortgage programs designed for non-US citizens and non-permanent residents who want to purchase property in the United States.
Asset-based short-term loans primarily used by real estate investors for property acquisition and renovation projects.
Mortgages that allow borrowers to pay only the interest for an initial period, resulting in lower monthly payments upfront.
Financing solutions tailored for real estate investors purchasing rental properties, fix-and-flip projects, or investment portfolios.
Home loans for borrowers who have an Individual Taxpayer Identification Number instead of a Social Security number.
Adjustable rate mortgages held in a lender's portfolio rather than sold on the secondary market, offering more flexible terms.
Non-QM mortgages that use a CPA-prepared profit and loss statement to verify income for self-employed borrowers.
Home loans with interest rates that adjust periodically based on market conditions after an initial fixed-rate period.
Specialized mortgage programs designed to support homeownership in underserved communities with flexible qualification criteria.
Mortgages that meet the guidelines and loan limits set by Fannie Mae and Freddie Mac for secondary market purchase.
Financing for building a new home or making major renovations, typically converting to a permanent mortgage upon completion.
Traditional mortgage financing not backed by a government agency, offering flexible terms and competitive rates for qualified borrowers.
Innovative loan products that leverage projected home equity growth to provide favorable financing terms.
Government-insured mortgages from the Federal Housing Administration with low down payments and flexible credit requirements.
A revolving line of credit secured by your home equity that allows you to borrow funds as needed during a draw period.
A fixed-rate second mortgage that provides a lump sum of cash by borrowing against the equity built in your home.
Mortgages that exceed the conforming loan limits set by the FHFA, designed for financing high-value luxury properties.
Loans for homeowners aged 62 and older that convert home equity into cash without requiring monthly mortgage payments.
Government-backed zero down payment mortgages for eligible rural and suburban homebuyers who meet income limits.
Government-guaranteed mortgages for eligible veterans, active-duty service members, and surviving spouses with zero down payment.
Enjoy spacious homes, protected open space, and SMART train access to San Francisco. Get pre-approved for your Novato home today.
Updated 3/7/2026
Marin Ca Novato Guide is updated daily with practical mortgage guidance for this page.
Yes, Marin County offers down payment assistance and below-market-rate housing programs for qualifying buyers. FHA and conventional low-down-payment loans are also options.
Novato's housing stock includes single-family ranches, townhomes, and newer developments. Lot sizes and home styles vary widely across the city's neighborhoods.
Absolutely. A pre-approval letter shows sellers you are a serious buyer with confirmed financing. It also helps you understand your budget before making offers.