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Your Windsor mortgage broker.
Just up Highway 101 from our Santa Rosa office, Windsor is one of the North Bay's best places to raise a family. We help you finance the home that fits your life here.
Mortgage broker serving Windsor, CA
Windsor has a character all its own. It started as a small farm town between Santa Rosa and Healdsburg and has grown into one of Sonoma County's most popular family communities, anchored by the walkable Town Green where folks gather for summer concerts and the farmers market. Homes here skew newer than much of the county. Subdivisions built from the 1990s onward, plus ongoing development around the Station Area near the SMART rail stop, mean many buyers are looking at well-kept tract homes, newer construction, and townhomes rather than century-old Victorians.
That mix shapes what kind of financing actually fits. A lot of Windsor buyers are first-time homeowners and growing families moving up from a condo or a rental in Santa Rosa, and for them FHA and low-down-payment conventional loans do the heavy lifting. With the 2026 Sonoma County FHA limit at $861,350, a large share of Windsor's single-family inventory is reachable with as little as 3.5 percent down. Buyers stretching for a newer or larger home above that figure often move into conforming high-balance or jumbo territory, and we help map out which path keeps the monthly payment sensible.
Windsor also draws people who want a bit of land or who are buying near the wine country edge of town toward Chalk Hill and Foothill Regional Park. Some are eyeing lots or tear-downs to build, which is where our FHA construction and one-time-close programs come in. Whatever you are buying, we are an independent broker based in Santa Rosa, so we shop your loan across many lenders rather than pushing a single bank's menu. You get straight answers about what you qualify for and what it actually costs.
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.
Loans we write most in Windsor
The financing that fits this market — tap one to dig into the details.
Neighborhoods and communities we serve
Neighborhoods & communities: Vintage Oaks · Windsor Town Green / Old Downtown · Esposti Park area · Vinecrest · Foothill Park · Windsor Creek · Bell Village / Station Area · the Chalk Hill area.
Around town: Windsor Town Green · Foothill Regional Park · Keiser Park · Windsor Golf Club · SMART Windsor station / Bell Village · Russian River and Healdsburg just to the north.
For 2026, the FHA 1-unit loan limit in Sonoma County is $861,350 and the conforming high-balance limit is $897,000, both well above the national FHA floor, which gives Windsor buyers real room to finance a single-family home with low-down-payment options.
Home loans in Windsor, answered
Do you have an office in Windsor?
We are based at 1000 Clark Street in Santa Rosa, just a short drive south on Highway 101, and we serve Windsor buyers and homeowners every week. You can do everything by phone, video, and secure online portal, so there's no need to come to us unless you'd like to.
What's the FHA loan limit in Windsor for 2026?
Windsor is in Sonoma County, where the 2026 FHA 1-unit limit is $861,350. That covers a large portion of the town's single-family homes, and we can tell you quickly whether the property you're considering fits FHA, conforming, or jumbo guidelines.
Is an FHA loan a good fit for first-time buyers in Windsor?
Often, yes. Windsor's newer subdivisions are popular first homes, and FHA's 3.5 percent down payment and flexible credit standards help many first-time buyers get in. We'll compare it against low-down-payment conventional options so you see the real monthly difference before deciding.
Can you help me finance building a home on a lot near Windsor?
Yes. If you own or are buying a lot toward Chalk Hill or the edge of town, our FHA construction and one-time-close programs combine the land, the build, and your permanent loan into a single closing. This is the homeowner's financing for your own residence, not a contractor's business loan.
Let's talk about your Windsor 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.