Healdsburg Mortgage Broker for Asset-Based and Second Home Loans

Healdsburg mortgage broker Ted Erickson arranges asset-based, second home, cash-out and purchase loans for Healdsburg borrowers (95448), comparing many lenders to find the right fit. Sonoma County’s 2026 conforming loan limit is $897,000.

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5.0 Google Rating

NMLS #223442

24 Years Closing Loans

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In Healdsburg, the wrong lender can cost you the house.

In Healdsburg, a second home or wealth that sits in investments instead of a paycheck can stall a deal days before closing. As a broker, Ted shops your loan across lenders instead of forcing it into one bank’s rules.

Ted helps buyers, homeowners, self-employed borrowers and real estate investors:

  • No one-size-fits-all programs
  • Clear updates from application to closing

Just straight answers from a loan officer with 24 years in the business.

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Shops many lenders

Hard loans welcome

Clear communication

Licensed in California

Healdsburg Mortgage Loans for Every Situation

Buying a second home or tapping equity, Ted matches your loan to the program that fits: a second home mortgage, an asset based mortgage or asset depletion mortgage, a cash out refinance, or a non QM loan for complex income.

Loans for Homeowners

Purchase Loans

Refinance

Cash-Out Refinance

FHA and VA Loans

Jumbo Loans

Bank-Statement Loans

Loans for Investors and Hard Files

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  • I worked with Ted Erickson from Barrett Financial Group to secure financing for a home loan in Marin… there were some tricky spots and complications for my loan application. However, that did not stop or hinder Ted. He worked tirelessly to help me be approved, found great solutions to any issues… and he was there every step of the way.
    Gavin B., Google review

Healdsburg Mortgage Facts at a Glance

Key 2026 numbers for buying, refinancing or investing in Healdsburg. Home values move, so ask Ted for current figures on a specific property.

Healdsburg item2026 figure
CountySonoma County
Typical home value$1,072,354 (Zillow Home Value Index, January 2026)
2026 conforming loan limit, 1 unit$897,000
2026 conforming loan limit, 2 units$1,148,350
Vacant housing units10.5% (2020 Census), a sign of the second-home market
Wine valleysDry Creek, Alexander and Russian River
Loans Ted arrangesPurchase, refinance, cash-out, FHA, VA, bank-statement, DSCR, bridge, fix-and-flip and asset-based
LicensingTed Erickson NMLS #223442, Barrett Financial Group NMLS #181106

Why use a Healdsburg mortgage broker instead of a bank?

Banks often want a paycheck to qualify. An independent mortgage broker can shop lenders that count investments and assets. Ted is a Sonoma County mortgage broker and local mortgage broker who helps Healdsburg buyers and second-home owners compare those options side by side.

From application to closing, without the stress

1. Tell Ted Your Goal

A quick call to understand your situation, your timeline and what matters most to you.

2. Ted Shops Your Loan

As a broker, Ted compares programs across lenders and finds the structure that fits your file.

3. Close With Confidence

Clear updates from application to closing, so nothing catches you off guard.

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5.0 on Google 16 Google reviews NMLS #223442 24 years closing loans

Google Reviews

What borrowers say about Ted

★★★★★

“Two other lenders tried to fund our loan and failed. Time was running out, and the whole transaction felt stuck… He looked at the file, asked good questions, and found a path forward that the others missed… We closed on time, and the stress dropped the moment he took over.”

Richard D. · via Google
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Real Loan Saves for Marin and Sonoma Borrowers

Real outcomes from Ted's Google reviews. Read each full review on Google.

  • Two lenders failed. Closed on time.

    Two other lenders tried to fund our loan and failed... He looked at the file, asked good questions, and found a path forward that the others missed... We closed on time, and the stress dropped the moment he took over.
    Richard D., Google review

  • Tricky Marin loan, approved.

    I worked with Ted Erickson from Barrett Financial Group to secure financing for a home loan in Marin... there were some tricky spots and complications for my loan application. However, that did not stop or hinder Ted. He worked tirelessly to help me be approved...
    Gavin B., Google review

  • Complex purchase, navigated.

    Ted was awesome helping us navigate through a very complex and difficult purchase
    Jake A., Google review

  • First-time buyer, every step explained.

    As a first-time homeowner, I truly appreciated how he took the time to explain everything clearly. He provides excellent customer service and genuinely looks out for your best interests.
    Aunchulee B., Google review

Buying and Investing in Healdsburg

Healdsburg sits where the Dry Creek, Alexander and Russian River valleys meet, below Fitch Mountain. Its Plaza was set aside in 1857, and the Memorial Bridge over the Russian River and the Carnegie Library, now the Healdsburg Museum, are local landmarks.

About one in ten Healdsburg housing units sat vacant in the 2020 Census, a sign of the second-home market here. Second-home loans have their own rules on occupancy and reserves, and Ted shops lenders that fit.

The typical Healdsburg home value sits above Sonoma County's 2026 conforming limit, so loan size matters. If your wealth is in investments, an asset-based loan can qualify you on those assets instead of a paycheck.

Ted also helps borrowers in nearby Windsor and Santa Rosa, and across Marin and Sonoma counties.

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Vineyard rows at sunrise near Healdsburg in Sonoma County
Vineyard rows at sunrise near Healdsburg

Healdsburg Mortgage Questions

Happy to help. If you don't see your question here, call or text Ted.

Call or text (415) 717-0477

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It can be. Ted compares pricing from many wholesale lenders for your Healdsburg loan, and wholesale pricing can be lower than what a single retail bank offers. Broker pay is disclosed on your Loan Estimate, so you can compare total cost side by side before you choose.

A broker doesn't make the final underwriting decision; the lender does. Some bank-only products, like a portfolio loan at your own bank, aren't available through a broker. Brokers also vary, so check the NMLS record of anyone you hire in Healdsburg. Ted's is NMLS #223442.

For most borrowers, yes. A mortgage broker can often get better pricing than a big bank because brokers have lower overhead and shop many wholesale lenders at once. You also work directly with a seasoned loan officer. Banks sometimes lower a rate for customers who keep investments with them, but in most situations a broker comes out ahead.

It's a set of federal timing rules. The lender sends your Loan Estimate within 3 business days of your application, you can't close until at least 7 business days after that, and you get your Closing Disclosure at least 3 business days before signing. Ted keeps Healdsburg buyers on that calendar so escrow closes on time.

Not as a grant. The program people usually mean is CalHFA's Dream For All, a shared-appreciation down payment loan for first-generation buyers. You repay it, plus a share of the home's appreciation, when you sell or refinance. Funds are limited and recipients are chosen by drawing. Ted is CalHFA-approved, so he can tell you when a round opens and help you apply for your Healdsburg purchase.

In California, a first-time buyer usually means you haven't owned a home in the past three years. CalHFA programs add income limits set by county and require a homebuyer education course. Ted can check which programs fit a Healdsburg purchase before you make an offer.

Rates change daily and depend on your credit, down payment, loan type and property. A rental or bank-statement loan prices differently than a standard purchase. For a same-day quote on a Healdsburg home, call or text Ted at (415) 717-0477 or fill out the form above.

Ready to Get the Right Healdsburg Mortgage?

Don't settle for the first answer from the first bank.

Fill out the form and Ted will reach out to you personally.

By submitting, you agree Ted may call, text or email you. Msg and data rates may apply. Reply STOP to opt out. Disclosures

Your California mortgage broker for purchase, refinance and investor loans.

Call or text (415) 717-0477

tederickson@barrettfinancial.com

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Serving Marin, Sonoma and All of California

  • Novato
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  • Sonoma County
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© 2026 Ted Erickson · Barrett Financial Group, L.L.C. NMLS #181106 · Ted Erickson NMLS #223442

Theodore Emery Erickson · NMLS #223442 · (415) 717-0477
Barrett Financial Group, L.L.C. · NMLS #181106 · NMLS Consumer Access
Branch: 3207 Grey Hawk Court, Suite 110, Carlsbad, CA 92010

CA 60DBO-46052 and 41DBO-148702. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Equal Housing Opportunity. Equal Housing Lender. This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines and property eligibility.