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Phone: (707) 527-6216     Fax: (707) 527-6835
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Rental/Investment Property Loans


Sonoma Federal Credit Union is your home for investment property lending!
Investment property and rental property can be a good way to boost your income, as well as increase your assets.

Maximize your cash flow
If you own investment property, you know how important cash flow is. A lower mortgage rate could mean greater net earnings on your investment property. Lowering your monthly mortgage payments means more money in your pocket.

Get Great Rates!
Our products are competitive. Great rates on your properties mean a good return for you, and a quicker payback of that purchase.

Superior Service
Our staff is superlative! If you have ever been through a closing where the bank, title companies, and other participants did not communicate well, you know what a trying time that can be. Sonoma Federal works closely with all parties to head up and guide the closing.

You have options for greater flexibility. 
If you’re worried that you have limited options, think again!

We offer competitive rates and lower fees for a variety of mortgage loans including 10 year, 15 year & 30 year fixed rate options  The property must have 20% (1 unit) and 25% (2-4 units) equity or greater to qualify for these loans.

Or maybe a 3/1, 5/1 or 7/1 adjustable rate loan would be a better choice for you.  The rate is fixed for 3, 5, or 7 years.  After this term, the loan converts to a 1 year adjustable rate loan indexed to the CMT 1 year treasury.  The repayment term is still based on 30 years.  You pick the option that works best for you.  The property must have 25% equity or greater to qualify for these loans.
General Guidelines

  • Loans can be for a single family residence investment property
  • Loans can be for a one to four family investment property
  • Borrowers must be individuals (No businesses or corporations)
  • Term is 30 years  for both fixed or variable programs
  • Maximum loan amount $417,000
  • Maximum 1 unit loan to value (LTV) = 80% (refinances and purchases)
  • Maximum 2-4 unit loan to value (LTV) = 75% (refinances and purchases)

So what are you waiting for? There’s never been a better time to get a home loan. Apply with us today!

Contact our Mortgage Center for rates, fees & terms,
at 707-527-6216 or email:

APPLY for your home loan now.

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Business Hours: (707) 527-6216
Non-Business Hours: USA: 1-888-241-2510
  Collect: 1-909-941-1398
This credit union is federally insured by the
National Credit Union Administration.
NCUA Equal Housing Lender
  Our Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA guidelines. We are working to increase the accessibility and usability of our website for all people. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 707-527-6216 for assistance. Products and services available on this website are available at our office located at 1194 Montgomery Drive, Santa Rosa, CA 95405.