Santa Rosa, CA
Santa Rosa home loans, built for Santa Rosa's market.
High-balance, jumbo, move-up, refinance: whatever a Santa Rosa purchase needs — near Railroad Square or anywhere Santa Rosa — the loan fits the market.
Who can help me get a mortgage in Santa Rosa, CA?
Choice Home Mortgage arranges home loans for Santa Rosa buyers and homeowners. We are a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046), family-owned since 2005, and owner Esther Buede works every Santa Rosa file from the first call to closing.
For 2026, a one-unit Santa Rosa home can carry a conforming loan of up to $897,000, the Sonoma County limit FHFA sets, and we check where your Santa Rosa price falls before you write an offer. The whole process runs by phone and online.
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 Santa Rosa market shapes the loan. Because Sonoma County is high-cost, a Santa Rosa one-unit purchase can reach $897,000 and stay conforming on a Santa Rosa file. That means high-balance and jumbo tools come up constantly in Santa Rosa — the first job on any Santa Rosa file is placing it against $897,000. Santa Rosa itself prices above the national norm, which is part of why Sonoma County carries a high-cost designation. Per FHFA’s 2026 schedule — we’ll check your exact numbers.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Roughly 171,000-plus people call Santa Rosa home, spread from Railroad Square to Fountaingrove, with Rohnert Park and Petaluma minutes away. From the Luther Burbank Home and Gardens outward, we treat Santa Rosa as home turf. Railroad Square, Bennett Valley, Coffey Park, and Fountaingrove — we finance homes in each of them, and everywhere else Santa Rosa reaches. A Santa Rosa broker without the drive: we handle Santa Rosa loans by phone and online, and the Santa Rosa market knowledge travels with us.
What working with us looks like.
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 Santa Rosa price points.
Lenders shopped for you
We make lenders compete for Santa Rosa business instead of squeezing Santa Rosa buyers into a single bank's box.
Owner-handled
Esther Buede — the owner — works your Santa Rosa loan start to finish; our Google reviews show Santa Rosa buyers why that matters.
Santa Rosa's file, the owner's desk.
Your Santa Rosa loan gets the owner, not a queue: Esther Buede, licensed (individual NMLS #2003644). The family brokerage dates to 2005. One person, your whole Santa Rosa loan — from Bennett Valley across the Santa Rosa map. Meet the family behind CHM →
“Closed in 8 days. I never knew a home refinance could happen so quickly and painlessly!”
The right Santa Rosa loan for your situation.
Santa Rosa’s pull — think the Luther Burbank Home and Gardens — keeps high-balance work coming. For Santa Rosa we lean on high-balance, jumbo, conventional — but whatever fits your Santa Rosa file, we shop it: non-QM, FHA financing, conventional, jumbo, and VA. Start when you’re ready: buying, exploring a refinance, or just exploring — start your application here or call (949) 522-7310.
For Santa Rosa, that usually means high-balance, jumbo, conventional.
First home in Santa Rosa? See which down-payment assistance is actually real in 2026 — CalHFA’s help applies to Santa Rosa buyers too.
Not every Santa Rosa file fits a W-2 box — borrowers who work for themselves can qualify on 1099 income, and Santa Rosa investors can lean on bridge financing. Want every unit count, not just single-family? Sonoma County’s 2026 loan limits page has the full table.
Beyond Santa Rosa itself, Rohnert Park, Petaluma, Novato buyers work with us the same way. See all California cities we serve →
Serving Santa Rosa as a licensed California mortgage broker — Choice Home Mortgage, NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Santa Rosa home-loan questions, straight answers.
How high can a conforming loan go in Santa Rosa?
In Santa Rosa, a one-unit home can carry a conforming loan of up to $897,000 for 2026, under FHFA's limit for Sonoma County. Sonoma County is a high-cost area, so a loan between the $832,750 national baseline and $897,000 is high-balance conforming, and anything above $897,000 is jumbo.
Is a jumbo loan the norm for Santa Rosa purchases?
The loan amount decides it: a Santa Rosa loan above $897,000 is jumbo, and at or below that figure it stays conforming. A loan between the $832,750 national baseline and $897,000 is high-balance conforming in Sonoma County. We shop the loan with many lenders and show you the offers side by side.
Which Santa Rosa neighborhoods do you serve?
All of them, from Railroad Square to Fountaingrove; the rest of Santa Rosa is covered too. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. Loans from Railroad Square to Fountaingrove go through owner Esther Buede, by phone and online.
Can you handle my Santa Rosa purchase remotely?
Yes. A Santa Rosa purchase runs by phone and online, and owner Esther Buede handles the file from application to closing. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. FHFA's 2026 one-unit limit for Sonoma County is $897,000.
What if I'm buying just outside Santa Rosa?
Buying just outside Santa Rosa changes nothing on our side; we also arrange loans in Rohnert Park, Petaluma and Novato. Every address is checked against its own county's 2026 limit before we quote. Choice Home Mortgage arranges those loans as a licensed California broker, the same way as a Santa Rosa file.
Buying near Santa Rosa? We cover that too
Let's finance your Santa Rosa home.
Straight answers on your Santa Rosa options, and a broker shopping the whole market for Santa Rosa buyers like you.