Purchase A Home

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Buy a Home

Your Dream Home Is Possible.

Everyone dreams of having a place that they love to come home to. Not only should your house be a place you love to be, but it should be something you own also. Your residence is your castle, a space where you are free to relax, rest and just be. Finding a place that you can make your own and build memories doesn’t have to be a dream. It can be your reality with a complete plan for purchase.


Homeownership is not just about status. It is also a major investment for today and for your future. Your new home is an asset that can appreciate in value over time, building wealth for you and your family. Your new Sonoma County residence can become a reality with Sonoma Home Loans in your corner.

Our Process Puts You in Control.

It starts with your goals. Our personal approach to home loans allows us to truly understand what's best for you and your individual situation. Our convenient online process captures all of the information we need to make a loan recommendation that achieves your purchase or refinance goals.

1. Schedule Call

Funding your dream home starts with a simple phone call. Speak with a mortgage advisor today to discuss your goals and what the process looks like your individual situation.

2. Develop Plan

We will work with you to develop a plan designed around your unique situation to accomplish your home buying or refinance goals with ease.


3. Apply & Verify

With a plan in place, you can confidently apply for a loan using our intuitive online app. Our online application tool makes gathering all the required documents a breeze.

4. Fund Your Mortgage

When approved, our team will work diligently with the banks to fund your mortgage quickly so you can get into your dream home.

We’re Here To Walk You Through The Process.

When you’re ready to purchase a home, it’s important to be aware of every step in the process. At Sonoma Home Loans, we’re your trusted partner to help you understand what’s required at each stage. You’re better equipped for a successful outcome when you’ve got knowledgeable experts working with you. One of the biggest challenges to ownership is figuring out how to finance your purchase with a loan. Our team of mortgage professionals help take the guesswork out of finding a Sonoma County mortgage broker, determining how much home you need and getting a mortgage that works for you.

Happy mom and son in new home
family cooking diner

A Simpler Way to Qualify for a Home Mortgage.

When it comes to qualifying for a loan, there is a lot of information out there. How much should you save for a down payment? What is the right type of mortgage for you? What credit score do you need to purchase a home? What does debt-to-income ratio mean? These are just some of the many questions that we’re ready to help you answer. No two buyers are the same and we help you explore your options, providing a simple, straightforward approach to helping you finance the home of your dreams. 

What Are Our Clients Say.

Home Buying FAQ

  • How much home can I afford?

    One of the questions that need answering is knowing how much house you can afford. To answer this question properly, you need to have a clear understanding of the costs involved. You’ll need to start by setting a budget that is based on your current debt to income (DTI) ratio. Compare how much money you make to what you owe to see what you can afford to spend on a monthly payment. You’ll also need to factor in other costs that come with homeownership such as property taxes and insurance. Our online mortgage payment calculator helps you run the numbers and explore your options.

  • What type of documentation do I need for a purchase home loan?

    Getting approved for a mortgage requires having all the documentation needed for a lender to get a clear picture of your finances. Lenders want to know that they’re making a solid investment by financing your purchase which means proof of your income, debts and assets.


    Here are some of the documents you’ll need:

    1. Last two years 1040’s (Federal Tax returns all schedules) 
    2. Last two years W2’s or If Self Employed and  you own more than 25% of the business: A) Year to date Profit & Loss Statement. B) Copy of Business License. C) If partnership or corporation, also need tax returns for business
    3. Last full month of pay stubs
    4. Last 2 months of bank and asset statements (All accounts used for down payment, closing costs and reserves)
    5. California ID
    6. For any property you own: Mortgage statements, tax bills and insurance.

  • How much of a down payment will I need?

    The common misconception is that you need 20% down to buy a house. Convectional loans allow for as little as 3-5% down while FHA loans allow for as little as 3.5% down, and VA loans often are 0% down. There are various types of mortgages that have different down payment requirements. Each borrower’s financial situation is unique and we’re committed to finding the right solution that makes your dream of ownership a reality. We’ll look at your details and help you explore and examine all your options.

  • How long is the purchase process?

    The time it takes to purchase a home will vary. The process of getting pre-approved can take as little as 24 hours once we have an application and supporting documentation. After you are pre-approved you will be house shopping until you find the perfect fit. Typical escrow timelines are 30-45 days, however we can offer a competitive advantage of closing quicker than this.


    Other factors will affect the time it takes to buy a home such as market conditions, time of year, local inventory and financing needs. We’re here to help you streamline the overall process, especially when it comes to securing a mortgage.