Santa Rosa is the Sonoma County seat and the largest city in the North Bay, stretching from historic Railroad Square and the McDonald Avenue mansions to the hillside neighborhoods of Fountaingrove and Bennett Valley. We help Santa Rosa buyers and homeowners with purchase loans, jumbo financing, refinances, reverse mortgages and equity lines. FHA loans help Santa Rosa 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 Santa Rosa: (916) 526-2700
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Santa Rosa is the North Bay's broadest market, with first-time buyers using FHA and conventional loans in the west and southwest, move-up families in Rincon Valley and Bennett Valley, and jumbo buyers in Fountaingrove and Skyhawk. After the 2017 fires many neighborhoods were rebuilt with brand-new homes, and wildfire insurance availability is now a standard part of qualifying on the city's eastern edge. 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 Santa Rosa buyer so the decision is made on total cost, not just the down payment.
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Housing includes Victorians and bungalows near downtown and the Junior College, 1950s to 80s neighborhoods in Rincon Valley and Bennett Valley, rebuilt homes in Coffey Park and Fountaingrove, the Oakmont 55-plus community, and newer subdivisions in the southwest. FHA loans are not only for first-time buyers. Move-up buyers, buyers rebuilding credit after a hardship and buyers with student loan debt all use FHA in Santa Rosa, and an FHA loan can later be refinanced into a conventional loan to drop mortgage insurance once equity allows.
FHA also offers a Streamline Refinance for existing FHA borrowers in Santa Rosa, which can lower the rate with reduced documentation and no new appraisal in most cases. If you already have an FHA loan, ask us whether a streamline makes sense.
Pacific National Lending serves Railroad Square, McDonald Avenue, Junior College, Bennett Valley and the rest of Santa Rosa for FHA loans. Santa Rosa is roughly two hours from our Gold River office, and we handle Sonoma County loans entirely by phone, email and e-signature.
Ready to talk about FHA loans in Santa Rosa? Call (916) 526-2700 or apply online in a few minutes. There is no credit pull at the first step and no obligation.
Apply HereLearn more about the program itself: FHA Loans · All loan options · Purchase · Refinance · Today's rates
Area photo: "1020 McDonald Avenue, Santa Rosa" by Frank Schulenburg, CC BY-SA 3.0.
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