Novato Mortgage
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Novato Mortgage .com offers Sacramento mortgage and Novato first time buyers information in Sacramento and the Novato. Novato Mortgage .com are California's premier mortgage brokers. We also provide mortgage home loans in all cities in California including Sacramento mortgage, Novato mortgage, Santa Clara mortgage, Sunnyvale mortgage, Novato mortgage and Los Gatos mortgage

Credit Information

Your credit score will determine what type of loan you can apply for as well as the rate you will receive. Click on the links below to learn more about credit scoring.

FIRST TIME BUYERS

Buying your first home is one of the biggest decisions you will ever make. There are many different types of programs out there for first time buyers from no money down to low interest rates for first time buyers. Being a Sacramento first time buyer or Novato first time buyer you need to know all your options. Let one of our mortgage specialists help you out today!

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Novato First Time Home Buyers

Bay Area Mortgage.com has helped many first time home buyers become home owners in the Bay Area. We understand it is hard to buy a house in California. The best way to get started is buy telling us about yourself. Fill out the form below or call!

  • FREE, FAST, and EASY quotes!
  • ALL credit types accepted
  • Reliable and friendly service
  • Interest rates are at a 40-year low - don't miss out on this opportunity!

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Novato Mortgage
   Novato mortgage and Sacramento mortgage first time buyers information.
   
Novato mortgage - First Time Buyers
Novato Mortgage.com has helped many first time homebuyers become home owners in the Novato. We work with the HFA to offer low interest rates, MCC to offer reduced taxes, and CHB programs to offer low down payments
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Novato California Real Estate Information:
DEBT CONSOLIDATION

Got credit cards? Consolidate your high interest rate credit cards and other debts into a single Novato Mortgage .com loan. Remember we can handle any California mortgage or other loan for California residents. Debt consolidation can save you hundreds of dollars on your monthly payments. If you already have a mortgage loan on your Sacramento or Novato home then we can help you consolidate with a second mortgage.

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Sacramento Debt Consolidation
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Novato, California

Novato, California is the northernmost city in Marin County, approximately twenty-nine miles north of San Francisco and thirty-seven miles northwest of Oakland. Novato covers twenty-eight square miles. As of the 2000 Census, Novato has a population of 47,630 which is 76.3% White, 13.1% Hispanic, 5.1% Asian, 1.9% Black and 3.6% all other races. The State of California estimates Novato's population at 48,754 as of January 1, 2002.

The highest point in Novato is Mt. Burdell at 1,558 feet. The elevation in downtown Novato is 18 feet. The mean annual temperature is 67 degrees, with an average minimum of 46 degrees and an average maximum of 71 degrees. Rainfall averages approximately 27.5 inches per year. Novato is California's 153rd largest city.

The City of Novato was incorporated on January 20, 1960 as a general law city. The City Council is made up of five members, elected at large, serving four-year terms. The Mayor is selected for a one-year term from among the members of the City Council. The City operates under a council-manager form of government. The City Council appoints the City Manager, City Attorney and City Clerk.

The City of Novato delivers municipal services through six departments: Central Administration (City Manager, City Clerk, City Attorney, Redevelopment, Housing Services), Administrative Services (Finance, Human Resources, Information Technology), Community Development (Planning and Building), Police, Public Works (Engineering, Street and Park Maintenance), and Parks, Recreation and Community Services. Fire services are provided in Novato by the Novato Fire Protection District; refuse and recycling services are provided by Novato Disposal under a franchise agreement with the Novato Sanitary District. Waste water services are provided by the Novato Sanitary District; water services by the North Marin Water District; public transit services by the Golden Gate Gate Bridge, Highway and Transportation District, animal control services by the Marin Humane Society; and library services by the Marin County Free Library.


Gas and electric services are provided in Novato by Pacific Gas and Electric. Telephone service in Novato is provided by Verizon in the northern and central sections of Novato and by Pacific Bell in the southern section. Cable television service is provided by AT&T Cable throughout Novato and by Horizon Cable TV Inc. in properties associated with Hamilton Field.

Education and Research

The Novato Unified School District serves over 7,600 students in kindergarten through high school in nine elementary, three middle and three high schools.

The College of Marin serves 8,800 students at two campuses: one in Kentfield and their Indian Valley Campus in Novato. The college offers 55 Associates of Arts/Science degree programs.

The Buck Institute is one of the foremost non-profit, independent biomedical research institutes in the world.


Business and Industry

The City of Novato successfully mixes corporate headquarters, state-of-the art technology companies and a variety of retail centers in its business community.

Fireman's Fund Insurance Company is the City's (and Marin County's) largest employer with 2,400 employees. Founded in 1863, Fireman's Fund has been providing premier business and personal insurance for over 135 years.

In addition to Fireman's Fund, Novato is the corporate headquarters for footwear company Birkenstock Footprint Sandals, and Smith and Hawken, the nation's premier retailer for gardening enthusiasts.

Novato is also a center of technology businesses as well. Known as the "home of the CD-ROM", Novato is home to such computer software and telecommunications companies as Broderbund, IMSI, Inc. and Sonic Solutions.

Retail businesses in Novato take many forms. The Vintage Oaks Shopping Center is a regional mall that serves as home to Costco, Target, Macy's Furniture Center, Novato Toyota and Marin Pontiac, Buick, GMC.

There is an active retail area in downtown Novato with shops and restaurants as well as other shopping areas located throughout the City. Novato is also home to TravelSmith, a successful company that sells travel clothing and accessories throughout the world through its catalogue business and on the Internet.


Recreation and Leisure

Novato has a rural atmosphere largely because of its low population density and the high amount of open space and parks in and near the city. Novato's population density is about one-half that of San Rafael, and is nearly one-third that of Petaluma and Vallejo.

Novato's sphere of influence contains seven county-maintained open space preserves with more than 2,600 acres of open space-including 1,600 acres surrounding Mt. Burdell in Northern Novato. Including Olompali State Park, just north of Novato, the total is nearly 3,500 acres. The city itself is home to a total of twenty-seven parks, including three major city parks. The North Marin Water District also maintains an open space preserve near Loma Verda.

Major community events include the Novato Festival of Art, Wine and Music each June, Concerts in the Park throughout the summer, the annual 4th of July Parade in downtown Novato and the City's Labor Day Picnic at Stafford Lake.

777 Mariners Island Road, Suite 125
San Mateo, CA 94404
 650.377.0222

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