Mortgages in Sonoma County.
Sonoma County is our home market. Fire-zone insurance, well and septic property callouts, and wine-country appraisal knowledge separate lenders that price competitively here from those that don't.
$806,500 (2026 conforming)
≈ $780K
Santa Rosa, Petaluma, Sebastopol, Healdsburg, Windsor, Rohnert Park, Sonoma
- Fire-zone insurance placement expertise
- Vineyard and agricultural property lenders
- Local realtor and appraisal network
- Wildfire insurance availability (Zone 2/3)
- Well and septic property inspections
- USDA-eligible outlying areas
Program pages written for this market.
Loan limits, property quirks, and lender appetite change county by county. These pages cover how each program actually runs in Sonoma County.
Conventional Loans in Sonoma County
The default program for most Northern California buyers.
ReadFHA Loans in Sonoma County
Low down payment, forgiving credit, ideal for first-time buyers.
ReadVA Loans in Sonoma County
Zero down, no PMI, competitive rates for veterans.
ReadJumbo Loans in Sonoma County
$1.2M-$30M loan amounts across banks and portfolio lenders.
ReadDSCR Investor Loans in Sonoma County
Qualify rental properties on the rent, not your income.
ReadBank Statement Loans in Sonoma County
Self-employed loans qualified on deposits, not tax returns.
ReadFix & Flip / Bridge Loans in Sonoma County
Short-term capital for acquisitions, rehabs, and bridges.
ReadHELOC & Equity Access in Sonoma County
Access equity without touching your low first-mortgage rate.
ReadReverse Mortgages (HECM) in Sonoma County
Convert equity to income or a line of credit at 62+.
ReadBuying rentals in Sonoma County? Qualify on the property, not your tax returns.
Most Sonoma County investors we work with never touch a W-2 loan. DSCR financing underwrites the rent the property collects against its payment, so portfolio size, write-offs, and self-employment income stop being obstacles. Short-term rental income counts with many of our lenders, and closings run in title-holding LLCs.
DSCR Rental Loans
No tax returns, no DTI. Qualify on rent versus payment, 20-25% down, unlimited financed properties.
See the programFix & Flip / Bridge
Up to 90% of purchase plus rehab for value-add projects, with closings as fast as 10 days.
See the programBank Statement Loans
Self-employed buyers qualified on 12-24 months of deposits instead of write-off-heavy returns.
See the programSonoma County mortgage questions.
Can I still get a mortgage in a Sonoma fire zone?
Yes. The obstacle is homeowners insurance, not the mortgage itself. We coordinate insurance and loan approval so your rate lock does not expire waiting for a policy.