Belvedere Mortgage Broker for Jumbo, Cash-Out and Reverse Mortgage Loans
Belvedere mortgage broker Ted Erickson arranges jumbo, cash-out, asset-based and reverse mortgage loans for homes on Belvedere Island, the Lagoon and Corinthian Island (94920). Based in Novato, he compares many lenders to fit high-value and complex files. Marin’s 2026 conforming loan limit is $1,249,125.
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NMLS #223442
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★★★★★ 5.0 from 16 Google reviews · also 5.0 on Zillow and Yelp (October 2026)
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In Belvedere, a loan that doesn’t fit can sink the deal.
Belvedere homes often need large jumbo loans, and many buyers have income or assets a bank’s checklist doesn’t handle well. A rigid lender can stall a contract in its final week. As an independent mortgage broker, Ted takes your file to several lenders and picks the one whose rules already fit it.
Ted helps buyers, homeowners, self-employed borrowers and real estate investors:
Just straight answers from a loan officer with 24 years in the business.
Belvedere Mortgage Loans for High-Value and Complex Files
Whether you’re buying, refinancing or freeing up equity, Ted lines up the program that fits: a jumbo purchase loan, a cash-out refinance on your Belvedere home, an asset-based loan that counts your holdings, or a bank-statement loan if you’re self-employed. Homeowners 62 or older can also compare a cash out refinance with a jumbo reverse mortgage, which turns equity into cash or a line of credit without selling. You still pay property taxes, homeowners insurance and upkeep, and the loan comes due when you sell or move out.
Loans for Homeowners
Loans for Investors and Hard Files
Belvedere Mortgage Facts at a Glance
Key 2026 numbers for buying or refinancing in Belvedere. Values change, so ask Ted for current figures on any specific home.
| Belvedere item | 2026 figure |
|---|---|
| County | Marin County |
| Typical home value | $5,029,000 (Zillow Home Value Index, September 2026) |
| 2026 conforming loan limit, 1 unit | $1,249,125 |
| 2026 conforming loan limit, 2 units | $1,599,375 |
| Incorporated | 1896 |
| Owner-occupied households | 76.3% (2018 Census estimate, Belvedere Housing Element) |
| Housing | 1,049 homes in 2021; 84% single-family detached |
| Access and flood | Beach Road and San Rafael Avenue act as levees and are the only roads in and out |
| Loans Ted arranges | Purchase, refinance, cash-out, FHA, VA, jumbo, bank-statement, DSCR, bridge, fix-and-flip and asset-based |
| Licensing | Ted Erickson NMLS #223442, Barrett Financial Group NMLS #181106 |
Why use a Belvedere mortgage broker instead of a bank?
A jumbo mortgage broker can shop one Belvedere loan across many lenders, while a bank can only offer its own programs. That matters for large jumbo loans and for income a bank won’t count. Ted is a Marin County mortgage broker based in Novato, so you work with a local mortgage broker. He is also a reverse mortgage broker for HECM and jumbo reverse loans. Call or text him at (415) 717-0477 to compare your options.
From application to closing, without the stress
1. Tell Ted Your Goal
A quick call to understand your situation, your timeline and what matters most to you.
2. Ted Shops Your Loan
As a broker, Ted compares programs across lenders and finds the structure that fits your file.
3. Close With Confidence
Clear updates from application to closing, so nothing catches you off guard.
Google Reviews
What borrowers say about Ted
“Two other lenders tried to fund our loan and failed. Time was running out, and the whole transaction felt stuck… He looked at the file, asked good questions, and found a path forward that the others missed… We closed on time, and the stress dropped the moment he took over.”
Real Loan Saves for Marin and Sonoma Borrowers
Real outcomes from Ted's Google reviews. Read each full review on Google.
What are the neighborhoods in Belvedere?
Belvedere's main neighborhoods are Belvedere Island, Belvedere Lagoon and Corinthian Island, with smaller street-based areas along San Rafael Avenue and Beach Road. Island hillsides, lagoon fill and bay frontage each raise a different insurance or appraisal question, and at Belvedere prices those questions land on a jumbo loan.
Across Belvedere I look at flood zones around the lagoon and shoreline, fire insurance on the island hillsides, and which side of the Tiburon line an address falls on. Here's what I check first in each area.
Two causeways, Beach Road and San Rafael Avenue, connect Belvedere Island to the mainland, with Belvedere Lagoon between them.
Ted also helps borrowers in nearby Tiburon, Sausalito and Mill Valley, and across Marin and Sonoma counties.
Tap a number or a name to jump to that neighborhood. Pins are approximate.
| Neighborhood | Part of town | Usually city or county | What I check first | Typical value (Zillow, Sep 2026) |
|---|---|---|---|---|
| Belvedere Island | The main island, including the west side of San Rafael Avenue | City | Hillside fire insurance | Not tracked |
| Belvedere Lagoon | Flat ground around the interior lagoon, including Lower Beach Road | City | FEMA flood zone | Not tracked |
| Corinthian Island | North end, where Belvedere meets downtown Tiburon | City | City line and shoreline | Not tracked |
| San Rafael Avenue and Beach Road | The two causeways linking the island to the mainland | City | Unit count and zoning | Not tracked |
Values are Zillow's typical home value (middle tier, all homes) for September 2026. Zillow doesn't track individual Belvedere neighborhoods, so the table shows "Not tracked". For Belvedere as a whole, the figure was about $5,029,000, up 11.3% from a year earlier. Data Provided by Zillow Group.
Belvedere Island
Belvedere Island has the largest land area and the most varied terrain in the city, and more than half of residents live here. The City's Housing Element notes eucalyptus and pine groves, hilly terrain and narrow roads that slow fire response, and Belvedere has adopted wildland-urban interface fire rules. At Belvedere prices nearly every buyer needs a jumbo loan. Hillside homes can take longer to insure, so I start quotes early.
Belvedere Lagoon
Belvedere Lagoon is the flatter area around the interior waterway, built out in the 1950s on fill. About 250 single-family homes and about 100 rental units front the lagoon, according to Marin County. FEMA has declined to certify the Beach Road and San Rafael Avenue levees that enclose it. Flood insurance can be required on a federally backed loan, so I check the zone and price the policy before you write an offer.
Corinthian Island
Corinthian Island is Belvedere's smallest main neighborhood, home to about 2% of residents in the City's 2009 survey. Marin County lists Corinthian Island residences among the most vulnerable buildings to bay flooding. Part of the island sits in Tiburon, so I confirm which city the address is in, then check the flood zone before you write an offer.
San Rafael Avenue and Beach Road
San Rafael Avenue and Beach Road are the two causeways that act as levees and serve as the only roads in and out of Belvedere. Belvedere's small stock of apartments and mixed-use buildings sits along these streets, including a five-unit building at 7 Beach Road. The City is planning steel sheet piles under both roads to protect the levees and utilities. If you buy a duplex and live in one side, Marin's 2026 two-unit conforming limit is $1,599,375.
Looking at a house in one of these neighborhoods? Call or text me at (415) 717-0477, or use the form, and I'll tell you what I'd check first.
Belvedere Mortgage Questions
Happy to help. If you don't see your question here, call or text Ted.
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Your California mortgage broker for purchase, refinance and investor loans.
Call or text (415) 717-0477
tederickson@barrettfinancial.com
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