California Mortgage Loans
1st Nationwide Mortgage is licensed in California. NMLS #1281. Apply for FHA, VA, conventional and jumbo home loans in CA.
Looking for a mortgage in California? 1st Nationwide Mortgage is a licensed mortgage lender serving homebuyers and homeowners throughout the Golden State.
Mortgage Programs Available in California
We offer a full range of mortgage products to California residents:
- FHA Home Loans — Low down payment options starting at 3.5%
- VA Home Loans — Zero down payment for eligible veterans and active military
- Conventional Loans — Competitive rates on 15 and 30-year fixed terms
- Jumbo Loans — Financing above conforming loan limits for California’s high-value market
- USDA Loans — Zero down payment for eligible rural areas
- Bank Statement Loans — Self-employed borrower solutions
California Licensing Information
1st Nationwide Mortgage Corporation is licensed by the California Department of Financial Protection and Innovation under the Finance Lender Law License, License #603K287. Additionally licensed by the Bureau of Real Estate, Real Estate Broker #01517084.
NMLS #1281 | Verify on NMLS Consumer Access
2026 California Loan Limits by County
The table below shows the maximum FHA and Conforming loan limits for every California county in 2026. The national conforming loan limit floor is $832,750 for a single-family home, while the FHA floor is $541,287. High-cost areas like Los Angeles, Orange, and San Francisco counties reach the ceiling of $1,249,125.
For borrowers looking to buy a home in Southern California high-cost areas such as Riverside, San Bernardino, San Diego, Los Angeles and Orange County and don’t have a down payment of 10% or 20% on a jumbo loan , you now have access to low down payment financing options with higher conforming amounts.
| County | Conforming Limit | FHA Limit | FHA Duplex Limit |
|---|---|---|---|
| Alameda | $1,249,125 | $1,249,125 | $1,599,375 |
| Alpine | $832,750 | $736,000 | $942,200 |
| Amador | $832,750 | $541,287 | $693,050 |
| Butte | $832,750 | $541,287 | $693,050 |
| Calaveras | $832,750 | $541,287 | $693,050 |
| Colusa | $832,750 | $541,287 | $693,050 |
| Contra Costa | $1,249,125 | $1,249,125 | $1,599,375 |
| Del Norte | $832,750 | $541,287 | $693,050 |
| El Dorado | $832,750 | $764,750 | $979,000 |
| Fresno | $832,750 | $541,287 | $693,050 |
| Glenn | $832,750 | $541,287 | $693,050 |
| Humboldt | $832,750 | $541,287 | $693,050 |
| Imperial | $832,750 | $541,287 | $693,050 |
| Inyo | $832,750 | $541,287 | $693,050 |
| Kern | $832,750 | $541,287 | $693,050 |
| Kings | $832,750 | $541,287 | $693,050 |
| Lake | $832,750 | $541,287 | $693,050 |
| Lassen | $832,750 | $541,287 | $693,050 |
| Los Angeles | $1,249,125 | $1,249,125 | $1,599,375 |
| Madera | $832,750 | $541,287 | $693,050 |
| Marin | $1,249,125 | $1,249,125 | $1,599,375 |
| Mariposa | $832,750 | $541,287 | $693,050 |
| Mendocino | $832,750 | $546,250 | $699,300 |
| Merced | $832,750 | $541,287 | $693,050 |
| Modoc | $832,750 | $541,287 | $693,050 |
| Mono | $832,750 | $776,250 | $993,750 |
| Monterey | $994,750 | $994,750 | $1,273,450 |
| Napa | $1,017,750 | $1,017,750 | $1,302,900 |
| Nevada | $832,750 | $649,750 | $831,800 |
| Orange | $1,249,125 | $1,249,125 | $1,599,375 |
| Placer | $832,750 | $764,750 | $979,000 |
| Plumas | $832,750 | $541,287 | $693,050 |
| Riverside | $832,750 | $690,000 | $883,300 |
| Sacramento | $832,750 | $764,750 | $979,000 |
| San Benito | $1,249,125 | $1,249,125 | $1,599,375 |
| San Bernardino | $832,750 | $690,000 | $883,300 |
| San Diego | $1,104,000 | $1,104,000 | $1,413,350 |
| San Francisco | $1,249,125 | $1,249,125 | $1,599,375 |
| San Joaquin | $832,750 | $678,500 | $868,600 |
| San Luis Obispo | $1,000,500 | $1,000,500 | $1,280,850 |
| San Mateo | $1,249,125 | $1,249,125 | $1,599,375 |
| Santa Barbara | $941,850 | $941,850 | $1,205,750 |
| Santa Clara | $1,249,125 | $1,249,125 | $1,599,375 |
| Santa Cruz | $1,249,125 | $1,249,125 | $1,599,375 |
| Shasta | $832,750 | $541,287 | $693,050 |
| Sierra | $832,750 | $541,287 | $693,050 |
| Siskiyou | $832,750 | $541,287 | $693,050 |
| Solano | $832,750 | $685,400 | $877,450 |
| Sonoma | $897,000 | $897,000 | $1,148,350 |
| Stanislaus | $832,750 | $545,100 | $697,800 |
| Sutter | $832,750 | $541,287 | $693,050 |
| Tehama | $832,750 | $541,287 | $693,050 |
| Trinity | $832,750 | $541,287 | $693,050 |
| Tulare | $832,750 | $541,287 | $693,050 |
| Tuolumne | $832,750 | $541,287 | $693,050 |
| Ventura | $1,035,000 | $1,035,000 | $1,325,000 |
| Yolo | $832,750 | $764,750 | $979,000 |
| Yuba | $832,750 | $541,287 | $693,050 |
Limits effective January 1, 2026. Source: HUD FHA Mortgage Limits and FHFA Conforming Loan Limits .
Get Started Today
Ready to explore your mortgage options in California? Contact us at (833) 350-9185 or check your eligibility .
California Bank Statement Loans (No Tax Returns) | Self-Employed Mortgage
California bank statement loans let self-employed borrowers qualify using 12 or 24 months of bank deposits instead of tax returns. Available for purchase and refinance statewide.
California DSCR Loans for Real Estate Investors | No Income Verification
DSCR loans in California let real estate investors qualify using rental income — no tax returns or pay stubs needed. Purchase or refinance investment properties statewide.
Los Angeles Bank Statement Loans | No Tax Return Mortgage
Bank statement loans in Los Angeles — qualify using 12-24 months of deposits instead of tax returns. Built for LA's entertainment, creative, tech, and business-owner borrowers.
Los Angeles DSCR Loans for Real Estate Investors
DSCR loans in Los Angeles qualify investors on rental income — no tax returns, no W-2s. Purchase or cash-out refinance LA investment property, jumbo up to $3.5M.
Los Angeles Mortgage Loans | 1st Nationwide Mortgage
Home loans in Los Angeles, California. FHA, VA, conventional, jumbo, bank statement and DSCR loans. Licensed lender NMLS #1281.
Orange County Bank Statement Loans | No Tax Return Mortgage
Bank statement loans in Orange County — qualify using 12-24 months of deposits instead of tax returns. Built for OC's business owners, tech/finance pros, and 1099 earners.
Orange County Mortgage Loans | 1st Nationwide Mortgage
Home loans in Orange County, California. FHA, VA, conventional, jumbo, bank statement and DSCR loans. Licensed lender NMLS #1281.
Sacramento DSCR Loans for Real Estate Investors
DSCR loans in Sacramento qualify investors on rental income — no tax returns, no W-2s. Purchase or cash-out refinance Sacramento investment property, LLC OK.
San Diego Bank Statement Loans | No Tax Return Mortgage
Bank statement loans in San Diego — qualify using 12-24 months of deposits instead of tax returns. Built for SD's biotech, defense, tech, and small-business borrowers.
San Diego DSCR Loans for Real Estate Investors
DSCR loans in San Diego qualify investors on rental income — no tax returns. Purchase or cash-out refinance SD investment property, jumbo up to $3.5M.
San Diego Mortgage Loans | 1st Nationwide Mortgage
Home loans in San Diego, California. FHA, VA, conventional, jumbo, bank statement and DSCR loans. Licensed lender NMLS #1281.
San Francisco Bay Area Mortgage Loans | 1st Nationwide Mortgage
Home loans in the San Francisco Bay Area, California. FHA, VA, conventional, jumbo, bank statement and DSCR loans. Licensed lender NMLS #1281.
SF Bay Area Bank Statement Loans | No Tax Return Mortgage
Bank statement loans across SF Bay Area — qualify using 12-24 months of deposits instead of tax returns. Built for tech founders, consultants, and Bay Area business owners.
SF Bay Area DSCR Loans for Real Estate Investors
DSCR loans in the SF Bay Area qualify investors on rental income — no tax returns. Jumbo DSCR up to $3.5M for SF, Peninsula, East Bay, South Bay investment properties.
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