Question 1

What is the FHA loan limit in Sonoma County?

Accepted Answer

HUD sets Sonoma County FHA limits annually. Check the current limit at HUD.gov before locking any purchase price.

Question 2

Can I use FHA to buy a condo in Santa Rosa?

Accepted Answer

Yes, but the condo project must be on HUD's approved list. Many Santa Rosa complexes aren't approved — check before you fall for a unit.

Question 3

How long does FHA mortgage insurance last?

Accepted Answer

With less than 10% down, MIP stays for the full 30 years. Put 10% or more down and it drops after 11 years.

Question 4

Do FHA loans work for Santa Rosa wildfire-area homes?

Accepted Answer

They can, but FHA appraisers flag unrepaired fire or smoke damage. The property must meet HUD's minimum condition standards.

Question 5

Can I use gift money for the FHA down payment?

Accepted Answer

Yes. FHA allows 100% of the down payment to come from a gift. The donor must sign a gift letter confirming no repayment is required.

Question 6

Is FHA better than conventional for a 620 credit score?

Accepted Answer

Usually yes. Conventional pricing penalizes scores under 680 heavily. FHA rates and MIP are more forgiving at that credit level.

FHA Loans in Santa Rosa, CA — Low Down, Real Access