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About Pollie Barnes

As a licensed Homebridge Mortgage Loan Originator in California (NMLS #250524), Pollie Barnes can assist you with your home loan needs, including:

  • First-Time Purchase
  • Second-Home Purchase
  • Refinance
  • FHA and VA
  • Conventional
  • 203(k) Renovation
  • Jumbo

Pollie welcomes the opportunity to serve your needs with quick and accurate real estate financing advice. Pollie has the expertise and knowledge, and will make sure you understand the features associated with the loan program you choose and that it meets your unique financial situation.

Contact Pollie Barnes Anytime

Feel free to contact Pollie anytime by phone or email for personalized service and expert advice. Pollie Barnes will extend the same professional service to your friends, family members, work colleagues or neighbors who need help.

Pollie Barnes is 203(k) Renovation Lending Certified

Pollie is certified in 203(k) 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 made1. 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 deductible2 as well.

Pollie Barnes 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 by phone, email or filling out the pre-approval form on the right to get more information about our Renovation Loan, or any other mortgage financing solution. I look forward to working with you!

1For 203k purchase transactions the maximum loan amount is the lesser of the sales price + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. For refinance transactions the maximum loan amount is the lesser of the property value before renovation + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. Loan amount must be within FHA county loan limits.

For HomeStyle® purchase transactions the maximum loan amount is based on the lesser of the sales price + renovation costs or 100% of the as-completed value, times the maximum loan-to-value allowable. For refinance transactions the maximum loan amount is based on the lesser of 1) 100% of the as-completed value times the maximum loan-to-value or 2) the balance on the existing loan plus the renovation cost plus the settlement costs. The maximum repair amount is limited to 50% of the as-completed value. HomeStyle® is a registered trademark of Fannie Mae.

2Please consult a tax advisor for further information regarding the deductibility of interest and charges.
For your home improvement needs, visit Service Finance Company, LLC to find a trusted local contractor.
Find a Contractor

Homebridge may receive compensation for referring you to Service Finance Company, LLC.

What Our Customers Say About Me

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Patience A. Aug-18
“The process was smooth and the agents were very helpful.”
Patience A. August 2018
“The process was smooth and the agents were very helpful.”
Patience A. August 2018
“The process was smooth and the agents were very helpful.”
Nathan D. June 2018
“They are the best!”
Brian S. June 2018
“Timeliness of the transaction process.”
Dale W. June 2018
“Everyone involved did an amazing job!”
Zunairah S. April 2018
“Very helpful, prompt on getting answers and no stress process.”
Robert H. March 2018
“Service!”
Mark D. March 2018
“Katie made this transaction painless and easy!”
Randolph M. December 2017
“Great service.”
Monica Y. December 2017
“Repeatedly satisfied! Pollie Barnes is the best! Seamless process! ”
Danielle G. November 2017
“Pollie was awesome! She was kind and helpful throughout every step.”
Travis D. November 2017
“We have worked with Polly Barnes in the past and we had a wonderful experience.”
Mary M. October 2017
“Very efficient and prompt.”
Ricardo C. October 2017
“Always answered my questions.”
George P. Santa Rosa, CA
“Pollie and all of her associates are the best. I will highly recommend them.”
Michael L. Petaluma, CA
“When our Loan Officer said she was doing something, she would do it and follow through. She got us the loan!!”
Karen K. Sausalito, CA
“This is the third loan I have asked Pollie to arrange, and by far the hardest. She pulled out all the stops. I needed this refinance to buy land. To make my dream come true. Pollie was relentless. Where I saw roadblocks, she found connections. So, today, we closed. I cannot recommend a more competent Loan Officer. Period. Thank you!”
Waltraud D. Santa Rosa, CA
“They were efficient, knowledgeable, accommodating and understanding.”
James E. Santa Cruz, CA
“The great level of communication and Pollie'”
Tammy T. Rohnert Park, CA
“Thanks Pollie for being such a great support. Closing on time and always returns calls whenever I needed to ask some questions. Great work ethics.”
Jon E. Guerneville, CA
“Simply amazing and literally the saver of dreams. We owe our deepest gratitude to Polly. Thanks are not enough.”
Darla M. Santa Rosa, CA
“She was easy to contact and took great care of my clients' needs. Pollie was wonderful, I have given her name to other agents.”
Judy S. Camp Meeker, CA
“She answered all my questions, in a timely manner. Laid out all available options. She's my hero.”
Jeanne H. Santa Rosa, CA
“Pollie was very knowlegable and very pleasant.”
Andrew H. Seaside, CA
“Pollie, Rocks!!!”
William G. Santa Rosa, CA
“Pollie and her team did an excellent job of communicating with us and keeping our loan on track for an early close. Great team, great products. I highly recommend "Team Barnes".”
Onofre C. Santa Rosa, CA
“Pollie Barnes constantly kept me informed throughout the process with any changes or updates. Always available to answer any questions that I may had. A true pleasure to work with!!!!”
Billy M. Truckee, CA
“Pollie Barnes did an outstanding job on keeping the loan process moving along and keeping me updated on what was happening. She and her team did a wonderful job! Always polite and professional!”
Robert H. Saint Helena, CA
“Pollie Barnes is the best!”
Gregory B. Windsor, CA
“Pollie Barnes is wonderful to work with. She is very attentive and answered all of our questions quickly. We will be working with her again and recommending her to friends and family.”
Michelle K. Santa Rosa, CA
“Pollie handles every detail and closes on time.”
Michelle K. Santa Rosa, CA
“Pollie is great start to finish! She remains in contact with the clients and is available for their questions so I don '”
Barbara E. Livermore, CA
“Pollie is on top of everything. So happy to work with her.”
Barbara L. Windsor, CA
“Pollie kept us informed and got the loan funded as soon as possible.”
Juanito A. Rohnert Park, CA
“Penelope Barnes knows what she's doing and very reliable, honest and straight to the point. Working with her was a great experience no stressful moment.”
Rodney R. Santa Rosa, CA
“Penelope was able to answer any question I asked. She was polite, caring and very genuine. There were no surprises, she had all information I needed all of the time. Penelope made my refinance experience very pleasant.”
Bill . Santa Rosa , CA
“Pollie is always on top of things, communications are great and she makes it look easy, super job - well done.”
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