The Mortgage Files

Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.

A scenic suburban neighborhood in Sonoma County, California, with diverse homes surrounded by lush greenery and rolling hills. Overlaid bold white text reads, “Buying a Home in Sonoma County in 2025: Income, Prices & Market Truths.”

Navigating Sonoma County’s Housing Market in 2025: What Buyers Need to Know

By Scott Sheldon / April 24, 2025

Sonoma County Home Buying in 2025: Navigating Economic Uncertainty and Affordability As a mortgage loan officer with two decades of experience, I’ve seen the housing market ebb and flow. In 2025, Sonoma County presents a unique blend of opportunities and challenges for prospective homebuyers. Economic uncertainties, fluctuating interest rates, and affordability concerns are at the…

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A vibrant depiction of the Sonoma County real estate market, showcasing modern single-family homes surrounded by vineyards and rolling hills under a clear blue sky, symbolizing opportunities with the 2025 conforming loan limits increase.

2025 Conforming Loan Limits Rise: Boosting Opportunities for Sonoma County Homebuyers and Sellers

By Scott Sheldon / November 26, 2024

2025 Conforming Loan Limits: What It Means for Sonoma County Buyers and Sellers The Federal Housing Finance Agency (FHFA) has announced an increase in the baseline conforming loan limit for single-family homes to $806,500 in 2025, a 5.2% rise from the 2024 limit of $766,550. In high-cost areas like Sonoma County, California, the conforming loan…

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