Mortgage broker serving Rohnert Park, 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 Rohnert Park buyers, we match your unique situation to the right program.
The Rohnert Park market rewards buyers with verified financing and competitive loan terms.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Rohnert Park 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 Rohnert Park home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Rohnert Park starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Rohnert Park 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 Rohnert Park 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 Rohnert Park 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
Standard option for Rohnert Park buyers. Most homes under $897K with competitive rates.
Strong FHA option in Rohnert Park. Low down payment gets you into most properties here.
$0 down for Rohnert Park veterans. VA loans cover all properties with no PMI required.
Rohnert Park business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Rohnert Park. State assistance helps with down payment and closing costs.
Premium Rohnert Park homes over $897K require jumbo loans. Less common but available for luxury properties.
Rohnert Park sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Rohnert Park investors. Buy rentals in entity names.
Conforming refinance for Rohnert Park homeowners. Best rates for loans under $897K.
FHA streamline refinance for Rohnert Park. Easiest way to lower your existing FHA rate.
VA streamline refi for Rohnert Park veterans. Fastest way to reduce your mortgage payment.
Turn Rohnert Park home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Rohnert Park homeowners. Access equity without replacing first mortgage.
Rohnert Park owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Rohnert Park investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Rohnert Park projects. Short-term financing for value-add investments.
Multifamily options for Rohnert Park investors. Finance apartment buildings with commercial loans.
Rohnert Park investors use hard money for quick closes. Higher rate but fast funding.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Rohnert Park buyers with qualifying income.
CalHFA programs popular in Rohnert Park. State assistance helps with down payment and closing costs.
Rohnert Park has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Rohnert Park buyers. Down payment assistance with no repayment.
Rohnert Park family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Rohnert Park purchases. Family member income boosts qualification.
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
Rohnert Park sits in Sonoma County, about an hour north of San Francisco. Population is 44,461, median household income $93,322. The homeownership rate here is 50.3%, which tells you this is a rental-heavy market thanks to Sonoma State University. At $687,500 median home price, you're paying Bay Area prices but getting Sonoma County quality of life. A household earning $93K can qualify for about $500K with a conventional loan, so most buyers here need dual incomes or a serious down payment to make the numbers work.
If you're buying with kids in mind, Rancho Cotate High serves most of the city. Technology High offers a specialized option for students focused on STEM. The Cotati-Rohnert Park Unified School District is stable, which matters when you're thinking about resale value. Here's the thing though: that 50.3% ownership rate means half your neighbors are renting, many of them college students from Sonoma State. If you're looking for a family-heavy neighborhood where everyone's invested long-term, you'll want to focus on areas away from campus. The student rental market does create opportunity for buyers interested in investment properties or house-hacking with FHA loans.
Where you buy in Rohnert Park affects your financing strategy and who your neighbors will be. Southwest Rohnert Park runs around $688K, close to Sonoma State, so expect a mix of single-family homes and apartment complexes. You'll see more renters here, which can work if you're buying a single-family home as an investment and plan to rent rooms to students. The Golf Course Drive area in the northern part of the city also sits around $688K, tends to attract more traditional homeowners and families looking for that suburban feel. Conventional loans are standard across the city at this price point. If you're looking at properties under $726,200, you'll qualify for conforming loan rates, which saves you money versus jumbo financing.
The commute to San Francisco takes about 64 minutes on Highway 101, Oakland is 57 minutes, and San Jose is way out there at 101 minutes. You're not commuting to San Jose daily unless you really love podcasts. The drive to SF or Oakland is doable a few days a week if your employer offers hybrid work. Real talk: the commute is the main reason Rohnert Park costs $687K while similar-sized homes in Marin or the Peninsula run $1.2M-plus. If you work remotely or locally in Sonoma County, you get Wine Country access and decent Bay Area connectivity without the insane mortgage payment. Local transit exists but most buyers here need a car.
Sonoma State University is the anchor employer, which stabilizes the local economy and creates that rental demand we talked about. Graton Resort & Casino employs a solid chunk of people in hospitality and gaming. The Cotati-Rohnert Park Unified School District provides public sector jobs with benefits, which helps buyers qualify for mortgages. Agilent Technologies brings tech sector wages to the area without the Silicon Valley commute. The job mix here is actually pretty diverse: education, tech, hospitality, healthcare, retail. Most buyers either work locally in Sonoma County or make the commute south to the larger Bay Area job centers a few days a week.
Common questions from Rohnert Park 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 Rohnert Park 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 Rohnert Park: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Rohnert Park buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Rohnert Park 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 Rohnert Park 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 Rohnert Park 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 Rohnert Park properties fall within conforming limits, maximizing your financing options.
For Rohnert Park'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 Rohnert Park. 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 Rohnert Park. 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 Rohnert Park. 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 Rohnert Park 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 Rohnert Park: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Rohnert Park buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Rohnert Park. 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 Rohnert Park 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 Rohnert Park 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 Rohnert Park properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Rohnert Park 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 Rohnert Park 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 Rohnert Park families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Rohnert Park. 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 Rohnert Park. 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 Rohnert Park'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 Rohnert Park is $897,000 for 2025. This higher limit reflects Sonoma County's designation as a high. cost area, making FHA loans a competitive option for most homes in Rohnert Park's $600K. $900K market. You can purchase the median. priced home at $688,000 well within FHA guidelines with just 3.5% down.
Most Rohnert Park buyers don't need a jumbo loan since the conforming loan limit is $897,000 and the median home price is $688,000. You'll only need a jumbo loan if you're purchasing a home above $897,000, which represents the higher end of the local market. The majority of homes in Rohnert Park qualify for conventional, FHA, or VA financing with better rates than jumbo products.
The 2025 loan limits for Sonoma County are $897,000 for conforming, FHA, and VA loans. The 2026 limits haven't been announced yet, but they're typically released in November 2025 and often increase based on home price trends. These current limits cover most homes in Rohnert Park's balanced market.
Yes, VA loans are very competitive in Rohnert Park with a loan limit of $897,000 and no down payment required for eligible veterans. The VA limit covers virtually all homes in Rohnert Park's typical $600K. $900K range, making it an excellent option for qualified service members. VA loans also don't require mortgage insurance, which can save you hundreds monthly compared to other low. down. payment options.
Our No Money Down program offers $0 down payment for qualified buyers in Rohnert Park. Additionally, CalHFA provides down payment assistance grants and deferred. payment junior loans for first. time and repeat buyers, while Sonoma County often offers local programs for moderate. income households. These programs work especially well in Rohnert Park's middle market where the $688,000 median price makes assistance valuable for building homeownership.
Down payments in Rohnert Park vary by loan type: conventional loans can go as low as 3% ($20,640 on the $688,000 median home), FHA requires 3.5%, and VA or USDA loans offer $0 down for qualified buyers. With Rohnert Park's balanced market and mixed buyer pool, many first. time buyers use low. down. payment options while move. up buyers often put down 10. 20%. Down payment assistance programs can further reduce your upfront costs.
Most Rohnert Park buyers need a minimum credit score of 620 for conventional loans, though FHA loans accept scores as low as 580 (or even 500 with 10% down). For the best rates in Rohnert Park's competitive market, aim for 680 or higher. VA loans are more flexible with credit, and many lenders will work with scores in the 600s for qualified veterans.
Choose a lender experienced with Rohnert Park's balanced market who can offer multiple loan options including conforming, FHA, and VA products. Look for competitive rates, transparent fees, and expertise with down payment assistance programs that work well in the $600K. $900K price range. A local lender familiar with Sonoma County will understand the market dynamics and help you close on time in competitive situations.
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