Fairfax Mortgage Broker for Self-Employed, Purchase and Refinance Loans
Fairfax mortgage broker Ted Erickson arranges self-employed, bank statement, purchase and refinance loans for Fairfax buyers and homeowners (94930), comparing many lenders instead of one bank’s rules. Marin’s 2026 conforming loan limit is $1,249,125. He checks flood and fire insurance before you commit.
5.0 Google Rating
NMLS #223442
24 Years Closing Loans
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In Fairfax, creek floods and fire maps meet the loan file.
A home along the creek, a hillside lot in a proposed fire hazard zone or self-employed income can stall a Fairfax loan right before closing. As a broker, Ted checks insurance and income early and shops lenders whose rules fit your file.
Ted helps buyers, homeowners, self-employed borrowers and real estate investors:
Just straight answers from a loan officer with 24 years in the business.
Fairfax Home Loans for Every Kind of Income
Ted matches Fairfax borrowers to the program that fits: a self employed mortgage through a bank statement loan, a conforming purchase loan, a refinance mortgage, or a cash out refinance that funds repairs on an older home.
Loans for Homeowners
Loans for Investors and Hard Files
Fairfax Mortgage Facts at a Glance
Key numbers for buying or refinancing in Fairfax. Values move, so ask Ted about a specific property.
| Fairfax item | 2026 figure |
|---|---|
| County | Marin County |
| Median value of owner-occupied homes | $1,163,600 (U.S. Census ACS, 2020-2024) |
| 2026 conforming loan limit, 1 unit | $1,249,125 |
| 2026 conforming loan limit, 2 units | $1,599,375 |
| Owner-occupied homes | 68.9% (U.S. Census ACS, 2020-2024) |
| Flood control | All of Fairfax is in Marin County Flood Control Zone 9 (Ross Valley) |
| Flood insurance | The town takes part in FEMA’s Community Rating System, which lowers flood insurance rates |
| Wildfire maps | Proposed local Fire Hazard Severity Zone maps posted March 2025 (Town of Fairfax) |
| Loans Ted arranges | Purchase, refinance, cash-out, FHA, VA, bank-statement, DSCR, bridge, fix-and-flip and asset-based |
| Licensing | Ted Erickson NMLS #223442, Barrett Financial Group NMLS #181106 |
Why use a Fairfax mortgage broker instead of a bank?
A bank can only offer its own programs, and self-employed income or a creekside home often does not fit them. A Fairfax mortgage broker compares many lenders, including bank statement lenders. Ted lives nearby in Novato and handles your file directly from first call to closing. Call or text (415) 717-0477.
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.
Buying and Refinancing in Fairfax
Fairfax sits at the west end of the Ross Valley and is named for Lord Charles Fairfax, with neighborhoods such as Fairfax Manor, Manor Hill and Oak Manor. Bolinas Park, the downtown Parkade, Contratti Park and the Marin Museum of Bicycling anchor town life.
Fairfax's median owner-occupied home value is about $1.16 million, below Marin's 2026 conforming limit of $1,249,125, so many buyers can stay in a conforming loan instead of a jumbo. The whole town sits in Flood Control Zone 9, and the town's building official can tell you whether a parcel is in a FEMA flood area.
Proposed fire hazard maps for Fairfax were posted in 2025, so Ted asks for a fire-zone insurance quote during your inspection period. Self-employed buyers can use bank statement loans to qualify on deposits instead of tax returns.
Ted also helps borrowers in nearby San Anselmo, San Rafael, Larkspur and Novato, and across Marin and Sonoma counties.
Fairfax Mortgage Questions
Happy to help. If you don't see your question here, call or text Ted.
Call or text (415) 717-0477
Ready to Get the Right Fairfax Mortgage?
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By submitting, you agree Ted may call, text or email you. Msg and data rates may apply. Reply STOP to opt out. Disclosures
Your California mortgage broker for purchase, refinance and investor loans.
Call or text (415) 717-0477
tederickson@barrettfinancial.com
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Areas We Serve
Serving Marin, Sonoma and All of California
© 2026 Ted Erickson · Barrett Financial Group, L.L.C. NMLS #181106 · Ted Erickson NMLS #223442
Theodore Emery Erickson · NMLS #223442 · (415) 717-0477
Barrett Financial Group, L.L.C. · NMLS #181106 · NMLS Consumer Access
Branch: 3207 Grey Hawk Court, Suite 110, Carlsbad, CA 92010
CA 60DBO-46052 and 41DBO-148702. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Equal Housing Opportunity. Equal Housing Lender. This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines and property eligibility.