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Windsor sits in Sonoma County wine country, where home prices push many buyers toward jumbo territory. Conforming loans keep your rate lower when the purchase price fits within Fannie Mae and Freddie Mac limits.
HousingWire flagged a 10.4% weekly drop in mortgage applications as the 30-year fixed hit 6.57%. For conforming borrowers in Windsor, that rate environment makes lender shopping critical right now.
620
Min Credit Score
3% (first-time buyers)
Min Down Payment
Up to 45%
DTI Limit
Varies by profile
30-Yr Fixed (as of Apr 2026)
21–30 days
Typical Close Time
Conforming Loans in Windsor
Conforming loans follow Fannie Mae and Freddie Mac guidelines. Most lenders want a 620 minimum credit score, though 740+ gets you the best pricing.
Debt-to-income ratio — your monthly debts divided by gross income — generally needs to stay under 45%. Strong assets or credit can sometimes push that ceiling higher.
Local decision guide
Use this guide to connect conforming loans eligibility, lender expectations, and local market factors before comparing payment options in Windsor.
Windsor sits in Sonoma County wine country, where home prices push many buyers toward jumbo territory. Conforming loans keep your rate lower when the purchase price fits within Fannie Mae and Freddie Mac limits.
HousingWire flagged a 10.4% weekly drop in mortgage applications as the 30-year fixed hit 6.57%. For conforming borrowers in Windsor, that rate environment makes lender shopping critical right now.
Conforming loans follow Fannie Mae and Freddie Mac guidelines. Most lenders want a 620 minimum credit score, though 740+ gets you the best pricing.
Big banks offer conforming loans, but they price for their own margins. Wholesale lenders — the ones brokers access — often beat retail rates on the same Fannie Mae product.
SRK CAPITAL shops 200+ wholesale lenders for every Windsor borrower. One application, dozens of rate comparisons, no running around to multiple banks.
Most Windsor buyers who qualify for conforming don't realize how much pricing varies by lender on the exact same loan. A quarter-point difference on a $700K loan adds up fast over 30 years.
Watch your loan amount carefully. One dollar over the conforming limit pushes you into jumbo — different underwriting, higher rates, larger reserves required. Know the line before you make an offer.
FHA loans accept lower credit scores but add mortgage insurance that never drops off if you put less than 10% down. Conforming loans let you cancel PMI once you hit 20% equity.
Jumbo loans cover higher purchase prices but require stronger reserves and stricter underwriting. If your purchase fits the conforming limit, there's no reason to take on jumbo complexity.
Sonoma County has a higher conforming loan limit than most U.S. counties. That means more Windsor buyers can access conforming rates instead of getting pushed into jumbo.
Windsor's mix of newer subdivisions and wine-country estates creates wide price variation. Buyers targeting townhomes or entry-level single-family homes are most likely to stay within conforming limits.
Sonoma County qualifies as a high-cost area with limits above the national baseline. Check current Fannie Mae guidelines or ask us — limits adjust annually.
Yes, if you're a first-time buyer and meet income guidelines. PMI applies until you reach 20% equity, but it can be canceled.
Conforming pricing has hard tiers. A 739 score gets a worse rate than 740. Know exactly where your score lands before you apply.
Conforming loans are a subset of conventional loans. All conforming loans are conventional, but jumbo conventional loans exceed the conforming limit.
Yes, but expect two years of tax returns and full income documentation. Fannie Mae guidelines allow self-employment income with proper paperwork.
Depends on how long you plan to stay. If you're buying long-term in Windsor, a fixed rate removes payment uncertainty as rates fluctuate.