CA
Your Mortgage Broker for California
Access to 150+ lenders across the Golden State. From first-time buyers to seasoned investors, I help Californians find the right loan.
Get StartedCalifornia Loan Programs & Assistance
Dream For All Shared Appreciation Loan
Up to 20% of purchase price toward down payment. Lottery-based, shared appreciation on sale.
First-generation, first-time buyers. CA resident. Registration window annually.
CalHFA MyHome
Deferred-payment junior loan up to 3.5% for down payment or closing costs.
Income limits vary by county. Paired with CalHFA first mortgage.
CalPlus with ZIP Extra
Conventional first mortgage paired with a zero-interest closing cost grant up to 3%.
Slightly higher rate on first mortgage. Grant does not need to be repaid.
CalReady / CalPlus Access
Programs for moderate-income borrowers with conventional or FHA first mortgages.
Income and property eligibility vary.
2026 Conforming Loan Limits
Baseline Conforming
$766,550
High-Balance
$1,249,125
Frequently Asked Questions
What are the best first-time buyer programs in California?
California offers Dream For All (up to 20% down payment assistance), CalHFA MyHome (deferred-payment loan), and CalPlus with ZIP grants. Additionally, many lender-specific DPA programs are available through mortgage brokers with access to wholesale lenders.
What is the conforming loan limit in California for 2026?
The baseline conforming limit is $766,550 for most counties. High-cost areas like Los Angeles, Orange, and San Francisco counties have a limit of $1,249,125.
Do I need to live in California to get a mortgage here?
No. You can purchase a home in California as a non-resident — whether as an investment or a future primary residence. Different loan programs have different occupancy requirements, and a broker can help you find the right fit.
Cities in California
Anaheim, CA
Orange County
Median: $955,000
Bellflower, CA
Los Angeles County
Median: $860,000
Buena Park, CA
Orange County
Median: $900,000
Cerritos, CA
Los Angeles County
Median: $1.12M
Compton, CA
Los Angeles County
Median: $650,000
Fountain Valley, CA
Orange County
Median: $1.4M
Garden Grove, CA
Orange County
Median: $950K
Huntington Beach, CA
Orange County
Median: $1.2M
Inglewood, CA
Los Angeles County
Median: $832,000
La Habra, CA
Orange County
Median: $870,000
La Mirada, CA
Los Angeles County
Median: $875,000
Lakewood, CA
Los Angeles County
Median: $870K
Lomita, CA
Los Angeles County
Median: $900,000
Long Beach, CA
Los Angeles County
Median: $1.04M
Norwalk, CA
Los Angeles County
Median: $662,000
Oakland, CA
Alameda County
Median: $740,000
Orange, CA
Orange County
Median: $1.1M
Placentia, CA
Orange County
Median: $1.1M
Riverside, CA
Riverside County
Median: $640,000
Sacramento, CA
Sacramento County
Median: $495,000
San Bernardino, CA
San Bernardino County
Median: $515,000
San Diego, CA
San Diego County
Median: $930,000
San Francisco, CA
San Francisco County
Median: $1,500,000
San Jose, CA
Santa Clara County
Median: $1,300,000
San Pedro, CA
Los Angeles County
Median: $1,000,000
Seal Beach, CA
Orange County
Median: $904,000
Signal Hill, CA
Los Angeles County
Median: $715K
Torrance, CA
Los Angeles County
Median: $1.18M
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