Question 1

What is the FHA loan limit in Sonoma County?

Accepted Answer

Sonoma County's FHA limit is above the national baseline. Ask us for the current figure — limits update annually and affect what you can borrow in Windsor.

Question 2

Can I use FHA to buy in Windsor with a 600 credit score?

Accepted Answer

Yes. A 600 score qualifies for FHA with 3.5% down. We can match you with lenders who don't add extra overlays on top of FHA minimums.

Question 3

Does FHA mortgage insurance ever go away?

Accepted Answer

Not if you put less than 10% down — it stays for the loan's life. Many borrowers refinance to conventional once they reach 20% equity.

Question 4

Are there FHA-approved condos in Windsor?

Accepted Answer

Some Windsor condos qualify, but the complex must be on FHA's approved list. We check this early — it saves time and prevents deal failures.

Question 5

How does FHA compare to USDA in this area?

Accepted Answer

USDA requires zero down and is limited to eligible rural zones. Some parcels near Windsor may qualify — we check eligibility before you fall in love with a property.

Question 6

Can I get an FHA loan as a self-employed buyer in Windsor?

Accepted Answer

Yes, but lenders want two years of tax returns and consistent income. FHA is more flexible than conventional, but documentation still matters.

FHA Loans in Windsor, CA — Low Down, Real Path to Ownership