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Cotati is a small city built around one of only two hexagonal town plazas in the country, wedged between Rohnert Park and Petaluma.
Explore mortgage options in Cotati, Sonoma County, California. Compare 25+ loan programs including conventional, FHA, VA, jumbo, and investment property financing. Get personalized rates and expert guidance from SRK CAPITAL's local mortgage team.
A very small market between two larger ones
Paste a listing URL and get a detailed breakdown of which loan programs fit the property, with payment examples and risk flags.
There are never many. Get fully underwritten so you can move when one appears.
The hexagonal plaza at the center of town with the shops and houses around it.
The old highway corridor with the commercial building and the traffic.
The northern side toward the university and Rohnert Park.
* Rates shown as of and subject to change without notice.
* Rate scenario based on: $650,000 loan amount, 20% down payment ($812,500 purchase price), 740+ credit score, owner-occupied single-family home, with impounds.
* Your actual rate may vary based on your specific credit profile, loan amount, down payment, and other factors.
* APR fees include: $1,350 lender underwriting fee, $80 lender doc fee, $995 processing fee, $149.50 credit report, and third-party fees (title, escrow, appraisal).
* Contact an SRK CAPITAL loan officer for a personalized rate quote.
NMLS #2043372 | DRE #01961971
Equal Housing Lender | © SRK CAPITAL INC.
In Cotati, the difference between a good mortgage and the right one usually comes down to program fit, pricing, and timing.
Cotati sits in Sonoma County, part of the Bay Area's housing market, where lending activity, housing inventory, and neighborhood price points shift noticeably from one community to the next.
From conventional and FHA to VA and jumbo financing, Cotati borrowers qualify differently under each program's documentation, credit, and loan-limit rules.
Cotati borrowers frequently compare options against nearby communities such as Cloverdale, Healdsburg, Petaluma.
There are roughly 32 active listings available.
Updated 9/8/2026
Sonoma Ca Cotati is updated daily with practical mortgage guidance for this page.