San Anselmo Mortgage Broker for Home Renovation and Refinance Loans

San Anselmo mortgage broker Ted Erickson lives nearby in Novato and arranges home renovation, refinance, cash-out and purchase loans for San Anselmo borrowers (94960, 94979). Marin’s 2026 conforming loan limit is $1,249,125.

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5.0 Google Rating

NMLS #223442

24 Years Closing Loans

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In San Anselmo, the wrong lender can cost you the house.

In San Anselmo, an older home that needs work or a property near the creek with flood questions can stall a 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:

  • No one-size-fits-all programs
  • Clear updates from application to closing

Just straight answers from a loan officer with 24 years in the business.

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Shops many lenders

Hard loans welcome

Clear communication

Licensed in California

San Anselmo Mortgage Loans for Every Situation

Fixing up, buying or refinancing, Ted matches your loan to the program that fits: a home renovation loan for an older house, a cash out refinance to fund repairs, or a simple refinance mortgage.

Loans for Homeowners

Purchase Loans

Refinance

Cash-Out Refinance

FHA and VA Loans

Jumbo Loans

Bank-Statement Loans

Loans for Investors and Hard Files

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  • I worked with Ted Erickson from Barrett Financial Group to secure financing for a home loan in Marin… there were some tricky spots and complications for my loan application. However, that did not stop or hinder Ted. He worked tirelessly to help me be approved, found great solutions to any issues… and he was there every step of the way.
    Gavin B., Google review

San Anselmo Mortgage Facts at a Glance

Key 2026 numbers for buying, refinancing or investing in San Anselmo. Home values move, so ask Ted for current figures on a specific property.

San Anselmo item2026 figure
CountyMarin County
Typical home value$1,544,883 (Zillow Home Value Index, January 2026)
2026 conforming loan limit, 1 unit$1,249,125
2026 conforming loan limit, 2 units$1,599,375
Flood historySan Anselmo Creek flooded downtown in 1982 and 2005
NeighborhoodsThe Hub, Sleepy Hollow, the Flatlands, Red Hill
Loans Ted arrangesPurchase, refinance, cash-out, FHA, VA, bank-statement, DSCR, bridge, fix-and-flip and asset-based
LicensingTed Erickson NMLS #223442, Barrett Financial Group NMLS #181106

San Anselmo mortgage broker vs bank: which is better?

A bank offers only its own loans. An independent mortgage broker compares many lenders, which matters on older homes and flood-zone properties. Ted is a Marin County mortgage broker and local mortgage broker in nearby Novato who handles San Anselmo files from first call to closing.

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.

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5.0 on Google 16 Google reviews NMLS #223442 24 years closing loans

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.”

Richard D. · via Google
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Real Loan Saves for Marin and Sonoma Borrowers

Real outcomes from Ted's Google reviews. Read each full review on Google.

  • Two lenders failed. Closed on time.

    Two other lenders tried to fund our loan and failed... 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.
    Richard D., Google review

  • Tricky Marin loan, approved.

    I worked with Ted Erickson from Barrett Financial Group to secure financing for a home loan in Marin... there were some tricky spots and complications for my loan application. However, that did not stop or hinder Ted. He worked tirelessly to help me be approved...
    Gavin B., Google review

  • Complex purchase, navigated.

    Ted was awesome helping us navigate through a very complex and difficult purchase
    Jake A., Google review

  • First-time buyer, every step explained.

    As a first-time homeowner, I truly appreciated how he took the time to explain everything clearly. He provides excellent customer service and genuinely looks out for your best interests.
    Aunchulee B., Google review

Buying and Investing in San Anselmo

San Anselmo neighborhoods include The Hub, Sleepy Hollow, the Flatlands and the Red Hill area along the Miracle Mile. Downtown shops line San Anselmo Creek, the former San Francisco Theological Seminary campus is now the University of Redlands, and the Sugarfoot deer statue stands by the library.

San Anselmo Creek flooded downtown in 1982 and 2005, so flood insurance and raised foundations come up often. Ted checks the flood zone and insurance early, so you know the costs before you commit.

The typical San Anselmo home value sits above Marin's 2026 conforming limit, so loan size and down payment matter. For older homes that need work, rehab and bridge loans can fund the purchase and the repairs, and investors can use fix-and-flip loans.

Ted also helps borrowers in nearby San Rafael and Novato, and across Marin and Sonoma counties.

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Montgomery Hall on the San Anselmo seminary campus at dusk
Montgomery Hall on the former seminary campus in San Anselmo

San Anselmo Mortgage Questions

Happy to help. If you don't see your question here, call or text Ted.

Call or text (415) 717-0477

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It can be. Ted compares pricing from many wholesale lenders for your San Anselmo loan, and wholesale pricing can be lower than what a single retail bank offers. Broker pay is disclosed on your Loan Estimate, so you can compare total cost side by side before you choose.

A broker doesn't make the final underwriting decision; the lender does. Some bank-only products, like a portfolio loan at your own bank, aren't available through a broker. Brokers also vary, so check the NMLS record of anyone you hire in San Anselmo. Ted's is NMLS #223442.

For most borrowers, yes. A mortgage broker can often get better pricing than a big bank because brokers have lower overhead and shop many wholesale lenders at once. You also work directly with a seasoned loan officer. Banks sometimes lower a rate for customers who keep investments with them, but in most situations a broker comes out ahead.

It's a set of federal timing rules. The lender sends your Loan Estimate within 3 business days of your application, you can't close until at least 7 business days after that, and you get your Closing Disclosure at least 3 business days before signing. Ted keeps San Anselmo buyers on that calendar so escrow closes on time.

Not as a grant. The program people usually mean is CalHFA's Dream For All, a shared-appreciation down payment loan for first-generation buyers. You repay it, plus a share of the home's appreciation, when you sell or refinance. Funds are limited and recipients are chosen by drawing. Ted is CalHFA-approved, so he can tell you when a round opens and help you apply for your San Anselmo purchase.

In California, a first-time buyer usually means you haven't owned a home in the past three years. CalHFA programs add income limits set by county and require a homebuyer education course. Ted can check which programs fit a San Anselmo purchase before you make an offer.

Rates change daily and depend on your credit, down payment, loan type and property. A rental or bank-statement loan prices differently than a standard purchase. For a same-day quote on a San Anselmo home, call or text Ted at (415) 717-0477 or fill out the form above.

Ready to Get the Right San Anselmo 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

  • Novato
  • San Rafael
  • Petaluma
  • Santa Rosa
  • Sonoma County
  • All of California
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© 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.