Traditional conventional financing following standard Fannie Mae / Freddie Mac guidelines.
Conventional loans follow Fannie Mae and Freddie Mac guidelines, which makes them the most widely available financing in the country.
They offer fixed and adjustable options and work for nearly every property type and occupancy.
We price your loan across multiple lenders so the same guidelines come with the best terms available to you.
Fannie Mae and Freddie Mac buy conventional loans up to a limit the Federal Housing Finance Agency sets for each county. For a one-unit home in Sonoma County, the 2026 conforming limit is $897,000. A larger loan is a jumbo loan, with its own guidelines.
For context, the median value of owner-occupied homes in Santa Rosa is $713,900, according to the Census Bureau's 2020–2024 American Community Survey.
A conventional loan can finance a primary home, a second home or an investment property.
Every borrower’s situation is different, so the right next step is a conversation about your income, savings and timeline.
Sources: U.S. Census Bureau, American Community Survey 2020–2024; HUD 2026 FHA limits; FHFA 2026 conforming limits. Loan limits are for Sonoma County, where most of Santa Rosa’s residents live.
For 2026 it is $897,000 for a one-unit home in Sonoma County, set by the Federal Housing Finance Agency. It changes each January.
Yes. Private mortgage insurance on a conventional loan can be removed once you build enough equity, under the lender's and investor's rules.
It depends on your credit, savings and plans. We price both side by side so you can see which costs less over the time you expect to keep the loan.
Conventional Loans nearby: San Francisco, Oakland, Sacramento
Send a few details about what you’re planning and we’ll follow up. There is no obligation.
David Young, NMLS #62043, CA DRE #01371572. Lendwise Mortgage, NMLS #2702455. NMLS Consumer Access.
David Young, CA DRE Broker Associate #01371572, NMLS #62043. Loans arranged through Lendwise Mortgage, Inc., California Department of Real Estate Corporation License #02282825, NMLS #2702455.
This is not a commitment to lend. All loans are subject to credit approval, underwriting and property eligibility. Equal Housing Opportunity.