Question 1

What is the conforming loan limit in Sonoma County?

Accepted Answer

Sonoma County qualifies as a high-cost area, so limits exceed the national baseline. Check current Fannie Mae limits before locking your purchase price.

Question 2

Can I use a conforming loan on a Healdsburg wine country property with a guest cottage?

Accepted Answer

Sometimes. Guest units and mixed-use features need lender review upfront. Flag the property details before you're in contract.

Question 3

How much do I need to put down for a conforming loan?

Accepted Answer

As little as 3% down. But putting down 20% eliminates private mortgage insurance and improves your rate.

Question 4

Is a conforming loan better than FHA in Healdsburg?

Accepted Answer

For most buyers with decent credit, yes. Conforming PMI drops off at 20% equity — FHA mortgage insurance typically doesn't.

Question 5

What credit score do I need for a conforming loan?

Accepted Answer

620 is the floor. You'll get meaningfully better rates at 680 and above.

Question 6

What if the Healdsburg home I want exceeds the conforming limit?

Accepted Answer

You'd move into jumbo loan territory. Jumbo requires stronger reserves and stricter underwriting — talk to us before assuming you need it.

Conforming Loans in Healdsburg, CA