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Rohnert Park sits in Sonoma County, where home prices run well above the national average. Conventional loans are the workhorse of this market.
HousingWire flagged the 30-year fixed hitting 6.57% recently — that rate environment makes your down payment strategy matter more than ever. Rates vary by borrower profile and market conditions.
6.57%*
30-Year Fixed (as of Apr 2026)
620
Min Credit Score
20% equity
PMI Required Below
45–50%
Max DTI (typical)
200+
Lenders Shopped
Conventional Loans in Rohnert Park
Most conventional loans require a 620 minimum credit score. To drop PMI — private mortgage insurance — you need 20% down or 20% equity.
Debt-to-income ratio caps typically sit at 45%, though some lenders push to 50% with compensating factors. Strong reserves help your file.
Local decision guide
Use this guide to connect conventional loans eligibility, lender expectations, and local market factors before comparing payment options in Rohnert Park.
Rohnert Park sits in Sonoma County, where home prices run well above the national average. Conventional loans are the workhorse of this market.
HousingWire flagged the 30-year fixed hitting 6.57% recently — that rate environment makes your down payment strategy matter more than ever. Rates vary by borrower profile and market conditions.
Most conventional loans require a 620 minimum credit score. To drop PMI — private mortgage insurance — you need 20% down or 20% equity.
Retail banks show you one rate sheet. As a wholesale broker, SRK CAPITAL shops 200+ lenders to find the sharpest pricing for your profile.
Not every lender prices Sonoma County risk the same way. Wholesalers we work with compete hard for well-qualified conventional borrowers.
The biggest mistake I see: buyers assume 5% down is fine without modeling the PMI cost over time. Run the numbers before you commit.
On a conventional loan, your credit score tier directly moves your rate. Going from 699 to 700 is not cosmetic — it's a real pricing break.
FHA loans allow lower credit scores but carry mortgage insurance for the life of the loan. Conventional PMI drops off at 20% equity.
Jumbo loans kick in above conforming limits for Sonoma County. If you're near that threshold, we compare both products before choosing.
Rohnert Park is one of Sonoma County's more attainable cities. That said, prices still push buyers toward maximum conforming loan amounts.
Sonoma County wildfires have tightened homeowners insurance availability. Lenders require proof of insurance at closing — get that lined up early.
Most lenders set 620 as the floor. Better pricing kicks in at 680, 700, and 740 — each tier moves your rate.
Yes. Lender-paid PMI and piggyback loan structures can eliminate the monthly charge. Each option trades off differently on rate.
Sonoma County has a higher conforming limit than most U.S. counties. Loans above that limit move into jumbo territory with different requirements.
For buyers with 700+ credit and 5–10% down, conventional usually wins on total cost. FHA makes sense when credit is below 660.
Lenders require active homeowners insurance at closing. In some Sonoma County zip codes, getting coverage is harder than getting approved for the loan.