Pollie Barnes - Your Home Loan Professional
Pollie Barnes
Senior Loan Officer
NMLS #250524
Direct: 707-535-1254
Mobile: 707-291-7947
Fax: (877) 810-0346
1260 N Dutton Avenue #220
Santa Rosa, CA 95401
I am licensed to originate mortgage loans in the following state(s): CA

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Topic: Renovation Lending - Take Advantage of Renovation and Rehab Loans Instead of Credit Cards
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Pollie Barnes

Your Senior Loan Officer in California

As a Prospect Mortgage lending professional, Pollie Barnes is knowledgeable about a wide range of different loan programs in order to serve your unique needs and financial goals. Whether you're making a first time purchase, a second home purchase or looking to refinance, Pollie can help you.


Pollie is also an expert on 203k Renovation Lending, a program particularly well suited for buyers of fixer-uppers and REOs in need of repair. Homebuyers can finance both the purchase and future repairs on their new home with one loan.


The Renovation Loan offers some great features. The amount of money you are permitted to borrow for the purchase and renovations is based on the increased value of your home after improvements are made. Also, because renovation costs are spread throughout the entire term of the loan, monthly payments are often lower than other financing options. With the loan, there is also no need to delay improvements. You can start in immediately after closing. Another great feature is the loan's simplicity - one application, one set of fees and closing costs, one closing to attend and one payment each month. The interest on the cost of your improvements, included in your mortgage, may be tax deductible as well.


Pollie values your business and will provide you with the best professional service and mortgage solutions that make most sense for you and your unique financial situation and real estate goals.


Please contact Pollie Barnes if you’d like more information about our Renovation Loan, or any other mortgage financing solution. We offer other  Renovation Mortgages – including HomeStyle® Renovation and HomePath® Renovation Loans – to meet the needs of our borrowers for primary residences, second homes and investors. I look forward to working with you!


What are people saying about Pollie Barnes?
"Prospect Mortgage is our hero!"
- Jon Evans
  Guerneville , CA
"Simply amazing and literally the saver of dreams. We owe our deepest gratitude to Polly. Thanks are not enough."
- Jon Evans
  Guerneville, CA
"After my buyers were turned down by a large national bank a week before the scheduled closing, Pollie Barnes and Prospect Mortgage came through in 21 days. Thank you for saving the sale for the ..."
- Barbara Ellis
  Guerneville, CA