Question 1

What is the conforming loan limit in Sonoma County?

Accepted Answer

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.

Question 2

Can I use conventional financing on a Healdsburg vacation home?

Accepted Answer

Yes, but expect a higher rate and stricter reserve requirements. Lenders treat second homes differently than primary residences.

Question 3

Do I need 20% down for a conventional loan in Healdsburg?

Accepted Answer

No — some conventional programs go down to 3%. But under 20% means paying PMI until you reach enough equity.

Question 4

How does my credit score affect my rate in this market?

Accepted Answer

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.

Question 5

Are vineyard properties eligible for conventional loans?

Accepted Answer

It depends on the property's zoning and how the income is structured. Some lenders will not touch agricultural parcels — lender selection matters here.

Question 6

Is now a good time to lock a conventional rate?

Accepted Answer

As of April 2026, rates remain elevated. Locking sooner limits exposure to further movement. Rates vary by borrower profile and market conditions.

Conventional Loans in Healdsburg, CA