Windsor Mortgage Broker for Refinance, Cash-Out and Move-Up Bridge Loans

Windsor mortgage broker Ted Erickson arranges refinance, cash-out, bridge and purchase loans for Windsor homeowners (95492), 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 Windsor, the wrong lender can cost you the house.

In Windsor, buying your next home before the current one sells, or income that doesn’t fit a bank’s box, 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

Windsor Mortgage Loans for Every Situation

Moving up or staying put, Ted matches your loan to the program that fits: a bridge loan to buy before you sell, a cash out refinance to tap your Windsor equity, or a simple refinance mortgage.

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

Windsor Mortgage Facts at a Glance

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

Windsor item2026 figure
CountySonoma County
Typical home value$794,051 (Zillow Home Value Index, September 2026)
2026 conforming loan limit, 1 unit$897,000
2026 conforming loan limit, 2 units$1,148,350
Owner-occupied homes76.3% (2020 Census)
Town centerTown Green and Old Downtown Windsor
Short-term rentalsUnhosted rentals banned in residential zones; hosted capped at 60 nights a year
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 Windsor mortgage broker instead of a bank?

A bank offers only its own loans. An independent mortgage broker compares many lenders. If you’re searching for a mortgage lender near me, Ted is a Sonoma County mortgage broker and local mortgage broker who arranges Windsor bridge, refinance and purchase loans from first call to closing.

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 Windsor

Life in Windsor centers on the Town Green, with summer concerts and the Windsor Days Parade, and on Old Downtown Windsor. The Charlie Brown Christmas Tree Grove and the Windsor Golf Club round out the town.

About three in four Windsor homes are owner-occupied, and many buyers here are moving up within Sonoma County. A bridge loan can tap your current home's equity so you can buy before you sell, then pay off when the old home closes.

The typical Windsor home value sits under Sonoma County's 2026 conforming limit. Investors should know Windsor banned unhosted vacation rentals in residential zones and caps hosted stays at 60 nights a year, so Ted runs DSCR numbers on long-term rents.

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

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Old Downtown Windsor sign in Windsor, California
The Old Downtown Windsor sign

Windsor 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 Windsor 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 Windsor. 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 Windsor 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 Windsor 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 Windsor 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 Windsor home, call or text Ted at (415) 717-0477 or fill out the form above.

Ready to Get the Right Windsor Mortgage?

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

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

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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

  • Novato
  • San Rafael
  • Petaluma
  • Santa Rosa
  • Sonoma County
  • All of California
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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.