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Healdsburg sits in the heart of Sonoma Wine Country. Properties here command premium prices, and conventional financing is how most buyers compete.
HousingWire flagged the 30-year fixed hitting 6.57% — that rate environment matters for Healdsburg buyers watching purchasing power. Rates vary by borrower profile and market conditions.
620
Min Credit Score
3%
Min Down Payment
20% equity
PMI Eliminated At
6.57%*
30-Yr Fixed (Market)
21–30 days
Typical Close Time
Conventional Loans in Healdsburg
Most lenders want a 620 minimum credit score for conventional loans. To get competitive pricing, you really want 740 or above.
Debt-to-income ratio — your monthly debts divided by gross income — should stay under 45%. Down payment starts at 3% for some programs, but 20% avoids private mortgage insurance.
Local decision guide
Use this guide to connect conventional loans eligibility, lender expectations, and local market factors before comparing payment options in Healdsburg.
Healdsburg sits in the heart of Sonoma Wine Country. Properties here command premium prices, and conventional financing is how most buyers compete.
HousingWire flagged the 30-year fixed hitting 6.57% — that rate environment matters for Healdsburg buyers watching purchasing power. Rates vary by borrower profile and market conditions.
Most lenders want a 620 minimum credit score for conventional loans. To get competitive pricing, you really want 740 or above.
Retail banks offer conventional loans, but their rates reflect overhead costs. Wholesale lenders — the ones brokers access — often beat retail pricing on the same loan.
SRK CAPITAL shops across 200+ wholesale lenders. That means more program options and tighter rate competition for Healdsburg buyers.
Healdsburg has a high share of vacation and second-home properties. Those transactions come with tighter guidelines — expect reserve requirements and higher rate adjustments.
Primary residence purchases here follow standard conventional rules. But if the property is a wine estate or has agricultural elements, underwriting gets more complex fast.
FHA loans cap at lower loan limits and require mortgage insurance for the life of the loan. Conventional beats FHA for buyers with solid credit and adequate down payment.
Jumbo loans handle Healdsburg's higher-priced properties — anything above the conforming limit. Rates and reserves requirements differ significantly from standard conventional terms.
Sonoma County's wine-driven economy means income sources vary widely. Lenders scrutinize self-employment and seasonal income more carefully here than in suburban markets.
Properties near vineyards or with agricultural zoning need careful lender selection. Not every conventional lender will touch mixed-use or ag-adjacent parcels.
Sonoma County qualifies for a higher conforming limit than the national baseline. Confirm the current limit with your broker before assuming you need a jumbo loan.
Yes, but expect a higher rate and stricter reserve requirements. Lenders treat second homes differently than primary residences.
No — some conventional programs go down to 3%. But under 20% means paying PMI until you reach enough equity.
Significantly. A 760 score versus a 680 score can mean a half-point or more difference in rate. On Healdsburg price points, that adds up fast.
It depends on the property's zoning and how the income is structured. Some lenders will not touch agricultural parcels — lender selection matters here.
As of April 2026, rates remain elevated. Locking sooner limits exposure to further movement. Rates vary by borrower profile and market conditions.