Petaluma is a southern Sonoma County river town on Highway 101 with one of the best-preserved historic downtowns in California and streets of Victorian homes on its west side. We help Petaluma buyers and homeowners with conventional, jumbo, FHA and VA financing, refinances and equity lines. FHA loans help Petaluma buyers who have limited savings, a shorter credit history or a past credit event that conventional lenders will not overlook. With 3.5 percent down and flexible qualifying, an FHA loan often turns a buyer who was told to wait into a homeowner this year.
Call Pacific National Lending for FHA loans in Petaluma: (916) 526-2700
Apply Here
Petaluma is popular with Marin and San Francisco commuters who want more space and small-town character, so well-kept homes draw multiple offers and most purchases need high-balance or jumbo financing. The west side's older homes can raise condition questions on appraisal, while the east side's newer subdivisions are straightforward for every loan program. The trade-off with FHA is mortgage insurance: an upfront premium financed into the loan and a monthly premium that stays for the life of the loan when you put less than 10 percent down. We compare that cost against conventional options for every Petaluma buyer so the decision is made on total cost, not just the down payment.
Get Pre-approved
Housing includes Victorians and Craftsman homes around D Street and the Oakhill-Brewster district, 1970s to 2000s subdivisions across East Petaluma, golf-course homes at Adobe Creek, and country properties on the roads west of town. FHA appraisals in Petaluma include a property condition review, so peeling paint, safety issues or a damaged roof can require repairs before closing. We flag likely issues early and know which lenders and appraisers handle FHA files smoothly, so your Petaluma purchase stays on schedule.
To see whether an FHA loan is right for your Petaluma purchase, call (916) 526-2700 or apply online. We will compare FHA and conventional side by side with actual payment figures, and there is no credit pull at the first step.
Pacific National Lending serves Downtown Petaluma, D Street, Oakhill-Brewster, West Petaluma and the rest of Petaluma for FHA loans. Petaluma is about an hour and forty-five minutes from our Gold River office, and we handle Petaluma loans remotely from application to closing.
Call Pacific National Lending at (916) 526-2700 or start your application online. We will review your goals, explain your options in plain English and give you real numbers for FHA loans in Petaluma.
Apply HereLearn more about the program itself: FHA Loans · All loan options · Purchase · Refinance · Today's rates
Area photo: "Philip Sweed House" by Andrew Heller, CC BY-SA 4.0.
© 2026, Pacific National Lending, all rights reserved. Created and managed by 1 Stop Link. Images & icons used on the website are either original, free or purchased on pexels.com, unsplash.com, vecteezy.com, fontawesome.com or other platforms. The display of logos, seals and emblems is not meant to show affiliation between us and their owners. This use falls under the fair use category of copyright protected images.