Sonoma Mortgage Broker for Second Homes, Refinance and Cash-Out Loans
Sonoma mortgage broker Ted Erickson arranges second home, refinance, cash-out and bank statement loans for Sonoma borrowers (95476), comparing many lenders to find the right fit. Sonoma County’s 2026 conforming loan limit is $897,000.
5.0 Google Rating
NMLS #223442
24 Years Closing Loans
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In Sonoma, the wrong lender can cost you the house.
In Sonoma, a price above the conforming limit or rental plans that clash with city rules 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:
Just straight answers from a loan officer with 24 years in the business.
Sonoma Mortgage Loans for Every Situation
Buying a second home or refinancing in wine country, Ted matches your loan to the program that fits: a second home mortgage, a cash out refinance or refinance mortgage, a bank statement loan, or a rental property loan for long-term rentals.
Loans for Homeowners
Loans for Investors and Hard Files
Sonoma Mortgage Facts at a Glance
Key 2026 numbers for buying, refinancing or investing in Sonoma. Home values move, so ask Ted for current figures on a specific property.
| Sonoma item | 2026 figure |
|---|---|
| County | Sonoma County |
| Median sale price | $1,049,306 (Redfin, August 2026, small sample) |
| 2026 conforming loan limit, 1 unit | $897,000 |
| 2026 conforming loan limit, 2 units | $1,148,350 |
| Renter-occupied homes | 42.7% (2020 Census) |
| Landmarks | Sonoma Plaza and City Hall, Mission San Francisco Solano |
| Short-term rentals | New vacation rentals prohibited in residential zones |
| Loans Ted arranges | Purchase, refinance, cash-out, FHA, VA, bank-statement, DSCR, bridge, fix-and-flip and asset-based |
| Licensing | Ted Erickson NMLS #223442, Barrett Financial Group NMLS #181106 |
Why use a Sonoma mortgage broker instead of a bank?
Banks often price second homes and self-employed income narrowly. An independent mortgage broker compares many lenders. Ted is a Sonoma County mortgage broker and local mortgage broker who knows the city’s vacation rental rules and sizes Sonoma loans to fit them.
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.
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.”
Real Loan Saves for Marin and Sonoma Borrowers
Real outcomes from Ted's Google reviews. Read each full review on Google.
Buying and Investing in Sonoma
Sonoma centers on its historic Plaza and City Hall, steps from Mission San Francisco Solano, founded in 1823, and the site of the 1846 Bear Flag Revolt. Just outside city limits sit The Springs, including Boyes Hot Springs and Fetters Hot Springs-Agua Caliente, and El Verano.
Prices in town often run above Sonoma County's 2026 conforming limit, so your down payment can decide whether you need a conforming or a jumbo loan. Ted prices both before you make an offer.
Wine country rental plans need care: the City of Sonoma prohibits new vacation rentals in residential zones, though existing licensed rentals may continue. Ted sizes DSCR loans on long-term rents in town, or helps you look outside city limits.
Ted also helps borrowers in nearby Petaluma and Santa Rosa, and across Marin and Sonoma counties.
Sonoma 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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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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Areas We Serve
Serving Marin, Sonoma and All of California
© 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.