Novato Mortgage Broker for Purchase, Refinance and Cash-Out Loans
Novato mortgage broker Ted Erickson lives in Novato (94945, 94947, 94949) and arranges purchase, refinance, cash-out and bank statement loans for Marin borrowers, comparing many lenders to find the right fit. Marin’s 2026 conforming loan limit is $1,249,125.
5.0 Google Rating
NMLS #223442
24 Years Closing Loans
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In Novato, the wrong lender can cost you the house.
One missed detail, like income that doesn’t fit a bank’s box or a slow underwriter, can kill a Novato deal days before closing. As a broker, Ted shops your loan across lenders instead of forcing it into one bank’s rules.
Ted helps buyers, homeowners, self-employed borrowers and real estate investors:
Just straight answers from a loan officer with 24 years in the business.
Novato Mortgage Loans for Every Situation
Buying, refinancing or investing, Ted matches your loan to the program that fits: a purchase loan, a refinance mortgage, a cash out refinance that taps your Novato equity, or a self employed mortgage based on bank statements.
Loans for Homeowners
Loans for Investors and Hard Files
Novato Mortgage Facts at a Glance
Key 2026 numbers for buying, refinancing or investing in Novato. Home values move, so ask Ted for current figures on a specific property.
| Novato item | 2026 figure |
|---|---|
| County | Marin County |
| Typical home value | $1,023,953 (Zillow Home Value Index, January 2026) |
| 2026 conforming loan limit, 1 unit | $1,249,125 |
| 2026 conforming loan limit, 2 units | $1,599,375 |
| Owner-occupied homes | 66.1% (2020 Census) |
| SMART train stations | San Marin/Atherton, Hamilton and Downtown Novato |
| Short-term rentals | City registration, business license and quarterly lodging tax required |
| 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 Novato mortgage broker instead of a bank?
A bank can only offer its own loans. An independent mortgage broker compares many lenders and brings you the best fit. If you’re searching for a mortgage broker near me, Ted is a local mortgage broker who lives in Novato, a Marin County mortgage broker you can call or text directly at (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 Investing in Novato
Novato neighborhoods run from Hamilton, the former Air Force base, to Indian Valley, Ignacio, San Marin and Old Town along Grant Avenue, with Bel Marin Keys just east of the city. Weekends bring visitors to Olompali State Historic Park, the Hamilton Field aviation museum and the Novato Art, Wine and Music Festival each June.
With three SMART stations, Novato works for commuters who want Marin without San Rafael prices. The typical Novato home value sits below Marin's 2026 conforming limit, so many buyers can stay in a conforming loan instead of a jumbo.
Investors should know Novato requires short-term rental registration, a business license and quarterly lodging tax. Ted factors that into DSCR loans sized on rental income, and he lives in Novato, so local questions get local answers.
Ted also helps borrowers in nearby San Rafael, Petaluma and San Anselmo, and across Marin and Sonoma counties.
Novato 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 Novato Mortgage?
Don't settle for the first answer from the first bank.
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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.