Mortgage broker serving Healdsburg, CA, offering a full range of loan programs - purchases, refinancing, investment properties, FHA, VA, jumbo, DSCR, bank statement loans, down payment assistance, and more. Personalized programs for your unique situation. 40+ years California mortgage experience.
Schedule a quick 15-minute call and we'll match you to the right program and give you the best rate for your unique situation.
We as brokers shop hundreds of lenders for you. Banks offer their own limited products.
As mortgage specialists serving Healdsburg buyers, we match your unique situation to the right program.
The Healdsburg market requires jumbo loan expertise for homes above the $897K threshold.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Healdsburg purchase.
SCHEDULE FREE CONSULTATION"For over 30 years, A Good Lender has been a trusted and essential part of my family's financial journey, guiding us through more than a dozen mortgage financing transactions with professionalism, integrity and care. What sets A Good Lender apart is their reliability and ability to demystify the mortgage process."
"Rodney Roloff & The Team at A Good Lender made my house buying process a breeze. Rodney helped me to better understand the loan process and walked me through everything step by step. If your looking for a good lender. One who will help you get the best rate. I highly recommend reaching out to Rodney and his team at 'A good lender'"
"From our first home buying experience, to exploring HELOC options, and refinancing, every step we were supported with clear and accurate information. A team who's knowledgeable, prompt to respond to any questions, and who genuinely cares for their clients is a rare find in this industry."
We've simplified the mortgage maze into four clear steps. No surprises, just results.
Complete your loan application online and upload your documents. We'll review everything to make sure it's complete before submitting to our lending partners.
We submit your application to our lending partners. Their underwriters review your documents, verify your income and credit, and issue your loan approval.
Sign your final documents, get your keys, and move into your Healdsburg home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Healdsburg starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Healdsburg home buyers—covering purchase loans, refinance, commercial real estate, and specialized financing like bank statement and jumbo loans. Explore the general programs to compare down payment options and requirements, or apply now for a custom financing solution tailored to your Healdsburg property.
Whether you're buying your first condo or a $3M estate, we offer comprehensive financing solutions with 14-day closings. Explore our complete range of purchase loan programs below.
Refinance to lower your interest rate, shorten your loan term, or access home equity for renovations, debt consolidation, or investment opportunities. Explore all refinance programs below.
Finance commercial real estate, owner-occupied buildings, or business expansions. Explore all commercial financing programs below.
Finance new construction, renovations, or land purchases. Explore all construction and renovation programs below.
From condos and townhomes to multi-family buildings and unique property types. Explore all specialized property financing programs below.
We specialize in complex financing scenarios where traditional loans don't fit. Explore all niche programs below.
Access California's down payment assistance programs. Explore all DPA programs below.
Self-employed professionals, freelancers, and business owners. Explore all special income documentation programs below.
Speed & Certainty
Whether you're buying your first condo or a $3M estate, we offer comprehensive financing solutions with 14-day closings. Explore our complete range of purchase loan programs below.
Rate & Term, Cash-Out
Refinance to lower your interest rate, shorten your loan term, or access home equity for renovations, debt consolidation, or investment opportunities. Explore all refinance programs below.
SBA 504 & 7(a)
Finance commercial real estate, owner-occupied buildings, or business expansions. Explore all commercial financing programs below.
Build & Improve
Finance new construction, renovations, or land purchases. Explore all construction and renovation programs below.
Specialized Properties
From condos and townhomes to multi-family buildings and unique property types. Explore all specialized property financing programs below.
Complex Scenarios
We specialize in complex financing scenarios where traditional loans don't fit. Explore all niche programs below.
CalHFA & Local DPA
Access California's down payment assistance programs. Explore all DPA programs below.
Alternative Documentation
Self-employed professionals, freelancers, and business owners. Explore all special income documentation programs below.
Popular loan programs for Healdsburg homebuyers. Compare options and find your best fit.
| Loan Type | Down Payment | Credit Score | Best For |
|---|---|---|---|
| No Down Payment Program Featured | $0 (3.5% grant) | 580+ | Any buyer - grant covers FHA or Conventional down payment, forgiven after 6 payments |
| Conventional | 3-20% | 620+ | Good credit, stable income. Max: $1,249,125 |
| FHA | 3.5% minimum | 580+ | First-time buyers with limited savings |
| VA | $0 | No minimum | Veterans, active military, surviving spouses |
| Jumbo | 15-20% | 680+ | Properties exceeding $1,249,125 |
| Bank Statement | 10-20% | 660+ | Self-employed buyers who write off business expenses |
| DSCR | 20-25% | 660+ | Rental income properties, real estate investors |
| Reverse Mortgage | N/A | No minimum | Homeowners 62+ tapping equity without payments |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Most Healdsburg homes qualify for conforming loans under $897K. Best rates with 3-20% down.
Veterans buy in Healdsburg with nothing down. VA loans up to $897K with no mortgage insurance.
FHA loans popular for Healdsburg first-timers. 3.5% down, 580 credit minimum.
Higher-end Healdsburg properties may exceed $897K. Jumbo financing available when needed.
Bank statement loans work for Healdsburg's self-employed buyers. 12-24 months of deposits qualify you.
CalHFA MyHome provides up to 3.5% down payment assistance for Healdsburg buyers.
Bridge loans help Healdsburg buyers compete. Make non-contingent offers while selling current home.
Healdsburg investment properties in LLC. Entity financing available for investors.
Most Healdsburg mortgages qualify for conforming refinance. Lower your rate under the limit.
Healdsburg homeowners tap equity with cash-out refinance. Consolidate debt or fund renovations.
Veterans in Healdsburg refinance with VA IRRRL. No appraisal, no income verification.
Healdsburg HELOC options for home equity access. Credit line with variable rate draw period.
Healdsburg FHA borrowers can streamline refinance. No income verification or appraisal required.
Home equity loan option for Healdsburg. Fixed payments unlike variable HELOC.
Healdsburg rental investors use DSCR loans. Property income determines qualification, not W-2s.
Renovation investors in Healdsburg use fix-and-flip financing. Purchase plus rehab in one loan.
Healdsburg apartment financing available. Multifamily loans for 5+ unit buildings.
Commercial hard money in Healdsburg. Speed and flexibility for investment deals.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Healdsburg buyers with qualifying income.
CalHFA MyHome provides up to 3.5% down payment assistance for Healdsburg buyers.
Local Healdsburg DPA programs supplement state assistance. City grants reduce out-of-pocket costs.
Healdsburg buyers check Elite grant eligibility. Grant funds reduce out-of-pocket costs.
Gift of equity option for Healdsburg family purchases. Parents selling to children at discount.
Healdsburg buyers use non-occupant co-borrowers. Parents help children qualify for homes.
Every situation is unique. The right loan program depends on your unique situation. See what works best for you.
Questions? Call (510) 589-4096 or email info@agoodlender.com
Healdsburg sits in Sonoma County wine country, about 80 minutes north of San Francisco. Population is 11,481, median household income $94,799. The homeownership rate here is 57.2%, which is lower than the state average, and there's a reason for that. At $963K median home price, you're looking at a market where you need serious income or equity to qualify. This isn't a starter home market. It's where Bay Area buyers cash out equity or wine industry professionals plant roots in one of California's most desirable small towns.
The school district is small but well-regarded, which matters when you're dropping close to a million on a home. Healdsburg High, Healdsburg Junior High, Healdsburg Elementary, and Fitch Mountain Elementary serve the town. The schools benefit from a tax base that includes high-value residential and commercial wine country properties. Families who buy here tend to stay put, which keeps the schools stable and supports long-term property values. When you're financing at this price point, you want to know the fundamentals that protect your investment are solid. The small-town school environment is part of what you're paying for, along with the wine country lifestyle.
Here's the thing about Healdsburg. The market doesn't break down into wildly different price tiers like larger cities. Downtown/Plaza District runs around $963K, putting you in the historic center with walkable access to restaurants, tasting rooms, and the town square. Fitch Mountain area also hits that $963K median, giving you residential living near the Russian River with mountain views. Both areas attract conventional jumbo loans since you're well above conforming limits. If you've got $200K down and strong income, you'll qualify, but this isn't FHA territory. Cash buyers and equity-rich transplants from pricier Bay Area markets make up a good chunk of transactions here.
San Francisco is 80 minutes south, Oakland 73 minutes, San Jose 117 minutes. Those drives explain why Healdsburg works for remote workers, retirees, and wine industry folks, but not so much for daily commuters. You're not buying here to schlep to Silicon Valley every day. You're buying because you can work remotely, you're in the hospitality or wine business locally, or you've reached a point where commute doesn't matter. The distance from major job centers is exactly what keeps this a lifestyle market rather than a bedroom community. If your income depends on being in the office five days a week, your lender will want to see that your finances can handle the premium you're paying for location.
The local economy runs on wine, tourism, and hospitality. Healdsburg Unified School District and City of Healdsburg provide public sector jobs, but the real action is in the vineyards, tasting rooms, hotels, and restaurants that define this town. If you work in wine production, hospitality management, or own a business serving tourists, living here makes sense both professionally and financially. For everyone else, you're either commuting out or working remotely. Lenders look at job stability when you're financing at this level, so if your income is tied to the wine or tourism industry, be ready to show consistent earnings. The seasonal nature of some hospitality work can complicate approval, so having two years of tax returns showing steady income helps.
Common questions from Healdsburg homebuyers and refinance clients. Can't find your answer? Book a 15-minute call with a Senior Loan Officer.
Pre-approval typically takes 24-72 hours. Full underwriting approval takes 14-21 days. We work with lenders offering express underwriting for strong borrowers who need faster closings.
Standard documents needed: pay stubs (last 30 days), W-2s (past 2 years), tax returns (past 2 years), bank statements (past 2 months), and photo ID. Self-employed borrowers need business tax returns and P&L statements. We'll provide a complete checklist for your situation.
Typical Healdsburg closing timeline: 30-45 days from accepted offer. VA/FHA loans may take slightly longer. Cash buyers close in 7-14 days. We work to meet your timeline and coordinate with all parties to close on schedule.
You have several low down payment options in Healdsburg: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Healdsburg buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Healdsburg buyers. We also offer our 6-Month Forgivable Grant (covers 3-3.5% down, forgiven after 6 months), CalHFA programs, and local first-time buyer assistance. Unlike CalHFA's 5-year requirements, our programs have no income limits and no first-time buyer requirement.
Yes! Zero-down options for Healdsburg buyers include: VA loans (eligible veterans), USDA loans (eligible rural areas), and our 6-Month Forgivable Grant Program combined with seller concessions for closing costs. Many Healdsburg families purchase with minimal upfront cash.
2026 Sonoma County limits: FHA $897,000, Conventional $897,000. Any loan above $897,000 is a jumbo loan. Most Healdsburg properties fall within conforming limits, maximizing your financing options.
For Healdsburg's $500,000 median price: FHA is better for credit scores under 680 or down payments under 5%—it's more forgiving on DTI ratios too. Conventional is better with 5%+ down and 700+ credit (lower PMI costs). We compare both options for your specific situation.
A denial doesn't mean you can't buy in Healdsburg. We review your denial letter, identify the specific issues (credit, DTI, income documentation), and match you with lenders who have more flexible guidelines. Common solutions include FHA loans for credit flexibility, alternative documentation, or co-borrower structures.
Credit requirements by loan type: FHA accepts 580+ (or 500 with 10% down), conventional starts at 620, VA at 620+. Our zero-down grant program works with 640+. Higher scores (720+) get better rates, but we work with borrowers across the credit spectrum.
Absolutely—first-time buyers are our specialty in Healdsburg. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Sonoma County, and structure your purchase to minimize upfront costs.
You still have options in Healdsburg. FHA loans accept credit scores as low as 580 (or 500 with 10% down). We also offer credit improvement strategies and can connect you with rapid rescoring services to boost your score before applying. Many buyers improve 20-50 points within 30 days.
As a mortgage broker, we shop your scenario across 50+ wholesale lenders to find the best pricing. Unlike retail banks that only offer their own rates, we show you side-by-side comparisons with identical terms. No junk fees or hidden charges—just transparent pricing.
You work directly with a Senior Loan Officer (15+ years average experience) from application through closing—not a call center. We have local Sonoma County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Healdsburg typically run 2-4% of the purchase price. On a $500,000 home, expect $10,000-$20,000 covering appraisal, title insurance, escrow fees, and prepaids. FHA allows sellers to contribute up to 6% toward your closing costs.
Pre-approval typically takes 24-72 hours. Full underwriting approval takes 14-21 days. We work with lenders offering express underwriting for strong borrowers who need faster closings.
You have several low down payment options in Healdsburg: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Healdsburg buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Healdsburg. We review your denial letter, identify the specific issues (credit, DTI, income documentation), and match you with lenders who have more flexible guidelines. Common solutions include FHA loans for credit flexibility, alternative documentation, or co-borrower structures.
As a mortgage broker, we shop your scenario across 50+ wholesale lenders to find the best pricing. Unlike retail banks that only offer their own rates, we show you side-by-side comparisons with identical terms. No junk fees or hidden charges—just transparent pricing.
You work directly with a Senior Loan Officer (15+ years average experience) from application through closing—not a call center. We have local Sonoma County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Healdsburg typically run 2-4% of the purchase price. On a $500,000 home, expect $10,000-$20,000 covering appraisal, title insurance, escrow fees, and prepaids. FHA allows sellers to contribute up to 6% toward your closing costs.
Standard documents needed: pay stubs (last 30 days), W-2s (past 2 years), tax returns (past 2 years), bank statements (past 2 months), and photo ID. Self-employed borrowers need business tax returns and P&L statements. We'll provide a complete checklist for your situation.
Typical Healdsburg closing timeline: 30-45 days from accepted offer. VA/FHA loans may take slightly longer. Cash buyers close in 7-14 days. We work to meet your timeline and coordinate with all parties to close on schedule.
Credit requirements by loan type: FHA accepts 580+ (or 500 with 10% down), conventional starts at 620, VA at 620+. Our zero-down grant program works with 640+. Higher scores (720+) get better rates, but we work with borrowers across the credit spectrum.
2026 Sonoma County limits: FHA $897,000, Conventional $897,000. Any loan above $897,000 is a jumbo loan. Most Healdsburg properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Healdsburg buyers. We also offer our 6-Month Forgivable Grant (covers 3-3.5% down, forgiven after 6 months), CalHFA programs, and local first-time buyer assistance. Unlike CalHFA's 5-year requirements, our programs have no income limits and no first-time buyer requirement.
Yes! Zero-down options for Healdsburg buyers include: VA loans (eligible veterans), USDA loans (eligible rural areas), and our 6-Month Forgivable Grant Program combined with seller concessions for closing costs. Many Healdsburg families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Healdsburg. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Sonoma County, and structure your purchase to minimize upfront costs.
You still have options in Healdsburg. FHA loans accept credit scores as low as 580 (or 500 with 10% down). We also offer credit improvement strategies and can connect you with rapid rescoring services to boost your score before applying. Many buyers improve 20-50 points within 30 days.
For Healdsburg's $500,000 median price: FHA is better for credit scores under 680 or down payments under 5%—it's more forgiving on DTI ratios too. Conventional is better with 5%+ down and 700+ credit (lower PMI costs). We compare both options for your specific situation.
The FHA loan limit in Healdsburg is $897,000 for 2025. This covers most homes in the area since the median price is around $963,000, though you'll need to make up the difference with a larger down payment. FHA loans require just 3.5% down and are popular with first. time buyers in Sonoma County.
You'll need a jumbo loan if you're buying above $897,000, which applies to many homes in Healdsburg's upper. middle market where prices typically range from $900K to $1.25M. About half of buyers here end up with jumbo financing, especially for move. up properties. The good news is that jumbo rates are often competitive with conforming loans for well. qualified borrowers.
The 2026 conforming loan limit for Sonoma County is $897,000, which also applies to FHA and VA loans in the area. These limits are set annually based on home price trends and typically increase each year. Healdsburg follows the county. wide limits since it's part of the Santa Rosa metro area.
Yes, VA loans are available in Healdsburg with a loan limit of $897,000 and no down payment required for eligible veterans. Many properties in town fall within this limit, making VA financing a great option if you qualify. For homes above $897,000, you can still use a VA loan but you'll need a down payment on the amount over the limit.
Our No Money Down program offers $0 down payment for qualified buyers in Healdsburg's competitive market. CalHFA programs provide down payment and closing cost assistance for first. time buyers, with options that work well for the area's $900K. $1.25M price range. Sonoma County also offers local assistance programs for income. eligible buyers, which can be particularly helpful given the median income of around $95,000.
Down payments in Healdsburg typically range from 3% to 20% depending on your loan type and the home price. For a median. priced home around $963,000, that's roughly $29,000 to $193,000. Conventional loans require as little as 3% down, FHA loans need 3.5%, and jumbo loans often require 10. 20% depending on the lender and your financial profile.
Most lenders require a minimum credit score of 620 for conventional loans in Healdsburg, while FHA loans can go as low as 580. For jumbo loans common in this market, you'll typically need at least 680. 700 to get competitive rates. Given the higher price points here, stronger credit scores around 720+ will help you secure the best terms and lower interest rates.
Look for a lender experienced with Healdsburg's upper. middle market and jumbo financing, since many homes here exceed standard loan limits. Compare rates, fees, and closing timelines from at least three lenders, and ask about their experience with properties in Sonoma County wine country. A local lender who understands the area's unique market conditions can make the difference in competitive situations where you're often up against other well. qualified buyers.
Fill out the form below and we'll reach out to discuss your Healdsburg mortgage options.
We respond within 24 hours
