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JUMBO Home Loans


Looking for a higher loan amount for enhanced home buying power?  Our JUMBO Home Loans allow for a variety of financing options and we’ll work with you to ensure we get you in a loan that meets your needs and wishes.

There are two different types of JUMBO loans.  The first type is a High Balance Conforming JUMBO loan.  The second type is a Super JUMBO loan.

High Balance Conforming JUMBO loan guidelines

  • Loan amounts up to $520,950 for homes in Sonoma County

FHA High Balance Conforming JUMBO loan guidelines

  • Loan to Value (LTV) is 90% below $625,000
  • Loan to Value (LTV) is 80% above $625,000
  • Loan to Value (LTV) is 60% on “cash-out” loans
  • Terms for 15 and 30 year fixed only

Super JUMBO loan guidelines

  • Loan amounts up to $2,000,000
  • Refinancing available
  • Competitive rates
  • Property must be owner occupied for up to 4 units
  • Loan to value 70% or less

Superior Service
Our staff is superlative! If you have ever been through a closing where the bank, title companies, and other participants did not communicate well, you know what a trying time that can be. Sonoma Federal works closely with all parties to head up and guide the closing.

So what are you waiting for? There’s never been a better time to get a home loan. Apply with us today!

Contact our Mortgage Center for rates, fees & terms,
at 707-527-6216 or email:

APPLY for your home loan now.

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Business Hours: (707) 527-6216
Non-Business Hours: USA: 1-888-241-2510
  Collect: 1-909-941-1398
This credit union is federally insured by the
National Credit Union Administration.
NCUA Equal Housing Lender
  Our Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA guidelines. We are working to increase the accessibility and usability of our website for all people. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 707-527-6216 for assistance. Products and services available on this website are available at our office located at 1194 Montgomery Drive, Santa Rosa, CA 95405.