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
Buying 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.