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A local mortgage broker for Sonoma County & beyond.
North Bay Capital is headquartered in Santa Rosa and licensed across California. We serve the North Bay, the greater San Francisco Bay Area, and the Central Valley — pick your city for the local market, the 2026 FHA loan limit, and the programs that fit.
North Bay cities we serve
Santa Rosa
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.
Santa Rosa mortgage broker →
Sonoma CountyPetaluma
Petaluma is the only Sonoma County town with a true historic downtown and a SMART-train commute to the Golden Gate, which makes its housing market a tug-of-war between heritage-home buyers and priced-out SF families.
Petaluma mortgage broker →
Sonoma CountyHealdsburg
Healdsburg is where Sonoma County's wine-country prestige meets real-estate prices that routinely run past the conforming limit, making it a jumbo-and-bank-statement market more than an FHA one.
Healdsburg mortgage broker →
Sonoma CountyWindsor
Windsor is the North Bay's newer-construction family town, where a Town Green lifestyle and 1990s-and-later neighborhoods make low-down-payment FHA and conventional loans the everyday workhorses.
Windsor mortgage broker →
Sonoma CountyRohnert Park
Rohnert Park is the affordable, first-time-buyer engine of Sonoma County — a planned college town of lettered street grids and SSU-driven condo demand. Content leans into accessibility: low-down-payment and FHA financing, condo/townhome guidance, and the correct, lower FHA ceiling ($861,350) versus the conforming $897,000.
Rohnert Park mortgage broker →
Sonoma CountySonoma
Sonoma is a higher-end, tourism-driven wine-country market where values frequently sit right at or above the conforming limit, making the conforming-versus-jumbo decision central. Second homes and weekend buyers from the Bay Area are a defining feature, alongside more attainable inventory in the Springs corridor. The honest local story: financing here is less about scraping to qualify and more about structuring the right loan lane at a price point that often crosses the $897,000 conforming ceiling into jumbo.
Sonoma mortgage broker →
North Bay / Marin cities we serve
East Bay cities we serve
Peninsula cities we serve
Central Valley cities we serve
Modesto
Modesto is California affordability in action: a Central Valley city where everyday FHA, USDA, and VA buyers, not jumbo borrowers, drive the market and a new build is still within reach.
Modesto mortgage broker →
Kings CountyHanford
Hanford is one of California's last genuinely affordable markets, where USDA zero-down and Lemoore-driven VA loans do more work than jumbo financing ever will.
Hanford mortgage broker →
We lend across all of California.
These are the markets we work in most, but as a California-licensed brokerage we can finance your purchase, refinance, or build anywhere in the state. Call and we'll map your options.