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Your Santa Rosa mortgage broker, right here on Clark Street
North Bay Capital is headquartered in Santa Rosa — not a call center three time zones away. We help Sonoma County buyers, move-up families, and homeowners rebuilding after the fires find the right loan, from FHA to construction financing.
Mortgage broker serving Santa Rosa, CA
Santa Rosa is home base for us. North Bay Capital's office sits at 1000 Clark Street, a few minutes from Courthouse Square, and we've watched this city grow, burn, rebuild, and keep going. When you call us, you're talking to people who actually live and work in Sonoma County — not a national lender who thinks Santa Rosa is a suburb of San Francisco.
Most homes in Santa Rosa price in under the county loan limits, which means everyday programs like FHA and conventional financing do the heavy lifting here. Whether you're a first-time buyer eyeing a bungalow in the Junior College neighborhood, a growing family moving up to Bennett Valley, or a homeowner rebuilding in Coffey Park, there's almost always a loan structured for your situation.
We're a true mortgage broker, which means we shop your loan across many lenders instead of pushing one bank's menu. That matters in a market like ours, where a quarter-point and the right program can be the difference between a payment that works and one that doesn't.
Santa Rosa is the county seat and our literal home base, with a market shaped by two things: most homes price under the county loan limits (so FHA and conventional do the work), and the long tail of the 2017 wildfires still drives demand for rebuild and construction financing in Coffey Park, Fountaingrove, and Larkfield. The angle is local presence plus the FHA construction loan as a genuine differentiator.
Loans we write most in Santa Rosa
The financing that fits this market — tap one to dig into the details.
Neighborhoods and communities we serve
Neighborhoods & communities: Coffey Park · Fountaingrove · Larkfield-Wikiup · Bennett Valley · Rincon Valley · Roseland · Junior College / Burbank Gardens · Skyhawk · Oakmont · West End / Railroad Square · Montgomery Village · Hidden Valley.
Around town: Courthouse Square downtown · Railroad Square historic district · Luther Burbank Home & Gardens · Charles M. Schulz Museum · Howarth Park and Spring Lake · Santa Rosa Junior College · Old Courthouse Square farmers market · Trione-Annadel State Park · the SMART train depot · Coddingtown and Montgomery Village shopping.
For 2026, Sonoma County's FHA 1-unit limit is $861,350 (the conforming high-balance limit sits a bit higher at $897,000). The good news for Santa Rosa is that the typical home here prices in under that FHA figure — so low-down-payment FHA financing is genuinely in play across most of the city, and you rarely have to reach for a jumbo loan to buy here.
Home loans in Santa Rosa, answered
What is the FHA loan limit in Santa Rosa for 2026?
For Sonoma County in 2026, the FHA 1-unit loan limit is exactly $861,350. Don't confuse it with the conventional conforming (high-balance) limit, which is higher at $897,000 — those are two separate numbers for two different loan types. Most Santa Rosa homes price in below both, so FHA financing is very much in play here.
Can North Bay Capital help me rebuild my home after the fires?
Yes — this is one of the main reasons we exist. If you lost a home in Coffey Park, Fountaingrove, or Larkfield, the FHA one-time-close construction loan can finance your rebuild and roll into your permanent mortgage with a single closing. It's a homeowner's loan to build your own home, not a contractor business loan. We'll walk you through the draw process and timeline.
Do you have an office in Santa Rosa?
We do — North Bay Capital is headquartered at 1000 Clark Street, Santa Rosa, CA 95404. This is our home base, and we serve the whole county and beyond from here. You can reach us at 707-595-5393.
Are you a bank or a mortgage broker?
We're a mortgage broker, licensed across California (company NMLS #1279902; Jesse Gonzalez NMLS #278103). That means we shop your loan across many lenders to find a competitive fit, rather than offering a single bank's products. We can't promise a specific rate or guarantee approval until we review your file, but we'll always show you honest options.
Let's talk about your Santa Rosa home loan.
Tell us about your purchase, refinance, or build and we'll map a clear path — payment estimates, the right program, and the documents to gather. No pressure, just a straight answer from a Sonoma County broker who knows the market.