Question 1

What is the FHA loan limit in Sonoma County?

Accepted Answer

Sonoma County has a higher FHA limit than most California counties. Contact us for the current limit — it affects your max purchase price at 3.5% down.

Question 2

Can I buy a fixer-upper with FHA in Sebastopol?

Accepted Answer

An FHA 203k rehab loan covers purchase plus renovation in one loan. Sebastopol's older homes can be a good fit if the numbers work.

Question 3

Will a seller in Sebastopol accept my FHA offer?

Accepted Answer

Some sellers hesitate due to stricter appraisal requirements. A strong pre-approval and clean offer terms help compete against conventional buyers.

Question 4

Does FHA mortgage insurance ever go away?

Accepted Answer

Not with less than 10% down — MIP stays for the loan's life. Put 10% or more down and it drops off after 11 years.

Question 5

What credit score do I need for FHA in Sebastopol?

Accepted Answer

You need at least 580 for 3.5% down. Scores between 500 and 579 require 10% down. Below 500, FHA is not available.

Question 6

Is FHA the right loan if I have a 700 credit score?

Accepted Answer

Probably not. At 700 with 5% down, conventional pricing usually beats FHA once you factor in mortgage insurance costs.

FHA Loans in Sebastopol, CA — Low Down, Real Access