California Mortgage Loans
California mortgage programs — FHA, VA, conventional, jumbo, bank statement, and DSCR loans for California borrowers. 1st Nationwide Mortgage, NMLS #1281.
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%
- California VA Home Loans — Zero down, no monthly mortgage insurance, and how CalVet compares
- 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
- Reverse Mortgage — Available for homeowners 62 and older
- Commercial Real Estate Loans — 5+ unit multi-family, mixed-use, office, retail, and industrial
- Hard Money Loans — Short-term, asset-based financing for fix-and-flip, lot acquisition, and value-add deals. Available in all 50 states.
- Rehab Loans — Purchase and renovation financing in one loan. Fix-and-flip, BRRRR, and value-add projects.
- Bridge Loans — Short-term financing between an acquisition and permanent loan, or while a property is stabilizing.
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 .
California City Loan Programs
- Los Angeles — Bank Statement Loans · DSCR Loans
- Orange County — Bank Statement Loans · DSCR Loans
- Sacramento — DSCR Loans
- San Diego — Bank Statement Loans · DSCR Loans
- SF Bay Area — Bank Statement Loans · DSCR Loans
Get Started Today
Ready to explore your mortgage options in California? Contact us at (833) 350-9185 or check your eligibility .
Orange County Investment Property Loans & DSCR Financing
Orange County DSCR and investment property loans — city-by-city STR rules, how AB 976 changed ADU income, and bridge timing under CA deadlines.
San Diego Investment Property Loans & DSCR Financing
San Diego DSCR and investment property loans — AB 1482's entity-ownership trap, Prop 13 reassessment at sale, non-transferable STRO licenses.
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 Bridge Loans for Real Estate Investors
Bridge loans for California real estate investors — short-term financing between a purchase and permanent loan, or while a property is stabilized or sold. Fast close, all 50 states.
California Commercial Real Estate Loans
Commercial real estate loans for California investors — 5+ unit multi-family, mixed-use, office, retail, and industrial. Nationwide private lender, available in all 50 states.
California DSCR Loan Requirements — LA to San Diego
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.
California Hard Money Loans
Hard money loans for California real estate investors and developers. Asset-based purchase and fix-and-flip financing with fast close. Business-purpose lending, available in all 50 states.
California Rehab Loans for Real Estate Investors
Rehab loans for California investors — purchase and renovation financing in one loan. Fix-and-flip, BRRRR, and value-add projects. Business-purpose lending, all 50 states.
California Reverse Mortgage
Reverse mortgages for California homeowners 62 and older. Access your home equity as cash — proceeds are generally not considered taxable income (consult your tax advisor) — no monthly payments required. You remain responsible for property taxes, homeowners insurance, and home maintenance. HECM and jumbo reverse options for CA's high-value market.
California VA Home Loans | Zero Down for Veterans
VA home loans for California veterans. Zero down payment, no monthly mortgage insurance, and how a federal VA loan compares to CalVet financing.
Los Angeles Bank Statement Loans | No Tax Return Mortgage
Los Angeles bank statement loans — qualify on 12-24 months of deposits, not tax returns. Entertainment, creative, tech, and business owners. Jumbo up to $3M.
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 DSCR Loans for Real Estate Investors
DSCR loans in Orange County qualify investors on rental income — no tax returns. Purchase or cash-out refi OC investment property, jumbo up to $3.5M.
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 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
SF Bay Area DSCR loans — qualify on rental income, no tax returns. Purchase or cash-out refi, jumbo up to $3.5M. SF, East Bay, Peninsula, South Bay.
Ready to Get Started?
Talk to a licensed loan officer about your options — no obligation.