Santa Rosa, CA
Santa Rosa home loans, built for Santa Rosa's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around Santa Rosa's price points — not a one-size template.
Santa Rosa home loans, the honest version.
Santa Rosa is the seat and largest city of Sonoma County and the commercial center of the North Bay wine country; post-2017-fire rebuilding layered a structural supply deficit onto an already constrained wine-country market.
That market shapes the loan. Because Sonoma County is a high-cost area, the 2026 one-unit conforming limit is $897,000 — above the national baseline. So many Santa Rosa buyers use high-balance or jumbo financing — and knowing exactly where your purchase lands against that $897,000 line is half the work. Limits per FHFA 2026; verify your scenario with us.
We work Santa Rosa from the ground up — close to the Luther Burbank Home and Gardens. We finance homes across Railroad Square, Bennett Valley, Coffey Park, and Fountaingrove — and every other corner of Santa Rosa. Looking for a mortgage broker near you in Santa Rosa? We serve the area by phone and online, so you get a local-market broker without driving to an office.
What you get with a local broker.
Santa Rosa market knowledge
Near the Luther Burbank Home and Gardens, across Railroad Square, Bennett Valley, Coffey Park — we know how Santa Rosa prices and programs actually work.
High-balance & jumbo ready
Santa Rosa runs above the national norm — we structure high-balance, jumbo, conventional financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your Santa Rosa file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your Santa Rosa loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Santa Rosa, your loan is handled personally by owner Esther Buede — a licensed mortgage expert (individual NMLS #2003644) who has guided California families to the closing table since 2005. Not a call center, not a rotating cast — one expert who knows your file and your market. Meet the family behind CHM →
“Painless and no hidden surprises. Choice Home Mortgage is a company I can trust.”
Matched to your Santa Rosa purchase, not a template.
For Santa Rosa we lean on high-balance, jumbo, conventional — but whatever fits, we shop it: FHA, conventional, jumbo, VA, and non-QM. Start when you’re ready: buying, refinancing, or just exploring — apply here or call (949) 522-7310.
Close to Santa Rosa, we also help buyers in Rohnert Park, Petaluma, Novato. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Santa Rosa mortgage questions, answered.
What's the 2026 conforming loan limit in Santa Rosa?
In Sonoma County, the 2026 conforming loan limit is $897,000 for a single-family home — a high-cost figure above the national baseline. Limits per FHFA 2026; verify your scenario with us.
Do I need a jumbo loan to buy in Santa Rosa?
Not always. Many Santa Rosa homes can be financed with high-balance conforming loans up to $897,000 before a true jumbo is needed. We'll tell you which fits your price point.
Which Santa Rosa neighborhoods do you serve?
We serve buyers across Santa Rosa, including Railroad Square, Bennett Valley, Coffey Park. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Santa Rosa?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Santa Rosa and the surrounding area.
Do you serve areas near Santa Rosa?
Yes — we also work with buyers in nearby Rohnert Park, Petaluma, Novato. Same process, local loan-limit details for each.
Let's finance your Santa Rosa home.
One call with the owner — local, honest, no pressure. We'll tell you which program fits your Santa Rosa purchase and shop the lenders for you.