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. VA loans are the strongest home financing benefit available to those who have served, and Pacific National Lending makes sure Santa Rosa veterans get the full value of it: no down payment, competitive rates, no monthly mortgage insurance and limits on the closing costs a veteran can be charged.
Call Pacific National Lending for VA 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. Instead of mortgage insurance, VA charges a one-time funding fee that can be financed into the loan, and veterans receiving VA disability compensation are exempt from it. We calculate the fee for your specific situation so the true cost of a VA loan in Santa Rosa is clear from the start.
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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. Our VA loan process in Santa Rosa starts with pulling your Certificate of Eligibility, then a fully underwritten pre-approval, appraisal and closing, typically within about three weeks of an accepted offer. One loan officer stays with the file, and we coordinate directly with your agent and escrow.
To use your VA benefit in Santa Rosa, call (916) 526-2700 or apply online. We will confirm eligibility, explain the funding fee and show you what a zero-down purchase looks like with real numbers. No credit pull at the first step.
We help borrowers with VA loans throughout Santa Rosa, including Railroad Square, McDonald Avenue, Junior College, Bennett Valley, and across Sonoma County. Santa Rosa is roughly two hours from our Gold River office, and we handle Sonoma County loans entirely by phone, email and e-signature.
For VA loans in Santa Rosa, call Pacific National Lending at (916) 526-2700 or use the secure application on this page. A licensed loan officer will follow up within one business day.
Apply HereLearn more about the program itself: VA 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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