From North County to the coast, we help San Diego County buyers compare high-balance, jumbo and VA loans from 40+ lenders — with a local team based in Murrieta.
San Diego County is a high-cost area: the 2026 one-unit conforming and FHA limit is $1,104,000. Loans between the baseline limit ($832,750) and $1,104,000 are "high-balance" conforming loans, and anything above is a jumbo. Knowing where your loan falls matters, because pricing and down payment rules change at each line.
San Diego is home to Camp Pendleton, Naval Base San Diego, MCAS Miramar and more, so VA loans are a big part of what we do here. With full entitlement there's no VA loan limit, which helps in a market with prices like San Diego's.
We work with borrowers throughout the county, including North County communities like Fallbrook, Escondido, San Marcos, Vista and Oceanside.
One-unit home
Loans between $832,750 and $1,104,000 are high-balance conforming loans. Above that is a jumbo loan. Sources: FHFA and HUD.
Zero down for those who served.
Financing above conforming limits, simplified.
Flexible, popular financing for qualified buyers.
Lower your rate, tap equity, or change terms.
Low down payment, flexible credit guidelines.
Investor financing based on rental income, not personal income.
$1,104,000 for a one-unit home. The FHA limit is the same. Above that amount you'd use a jumbo loan.
Not if you have full VA entitlement — you can borrow above the county limit with no down payment, as long as you qualify for the payment. If part of your entitlement is in use, the county limit affects how much you can borrow with no money down.
Free quote, no credit pull, no obligation. We respond within one business day.