Mortgage Broker in Junction City, CA — Home Loans for Purchase and Refinance

If you are buying a home or refinancing in Junction City, Lendia can help. Lendia, Inc. is a licensed California mortgage broker, not a bank. Instead of offering a single lender’s products, we compare options from the wholesale lenders we work with for FHA, VA, conventional, jumbo and non-QM loans, then walk you through the choices that fit your situation. Junction City is in Trinity County, and we arrange loans for properties throughout the county.

Trinity County Loan Limits for 2026

The 2026 conforming loan limit for a one-unit home in Trinity County is $832,750. That is the national baseline limit for 2026. Conventional loans above it are jumbo loans, which follow different guidelines from conforming loans, so it helps to know early which side of the line your purchase falls on. VA loans work differently: with full entitlement there is no VA-set loan limit, and the county limit mainly matters for borrowers with reduced or remaining entitlement. You can look up the limit for a specific ZIP code on our California loan limits page.

Home Loan Programs Available in Junction City

  • Conventional loans — for buyers and homeowners with solid credit; down payment options start as low as 3% for eligible buyers.
  • FHA loans — government-insured loans with down payments as low as 3.5% for qualified borrowers and more flexible credit guidelines.
  • VA loans — up to 100% financing for eligible veterans, active-duty service members and some surviving spouses.
  • Jumbo loans — for conventional loan amounts above the Trinity County limit of $832,750.
  • Non-QM and bank statement loans — alternative documentation for self-employed borrowers, investors and other non-traditional income.
  • Refinancing — rate-and-term and cash-out options for current Junction City homeowners.

How Working With Lendia Goes

  1. Start with your goals. Tell us whether you are buying, refinancing or taking cash out, and what monthly payment feels comfortable. The affordability guide shows how lenders look at your income and debts.
  2. Get preapproved. We review your income, assets and credit, then explain which programs fit. See what to expect in our preapproval guide.
  3. Compare options. Because we are a broker, we can compare programs from the lenders we work with rather than quoting one product.
  4. Close with clear communication. We keep you updated on appraisal, underwriting and closing steps so there are no surprises.

Common Questions From Junction City Borrowers

What is the loan limit in Trinity County?

For 2026, the one-unit conforming limit in Trinity County is $832,750. Conventional loan amounts above it are jumbo loans, while VA loans with full entitlement have no VA-set limit. Limits are higher for two- to four-unit properties.

Can I buy in Junction City with less than 20% down?

Yes, depending on the program. Conventional loans can go as low as 3% down for eligible buyers, FHA loans as low as 3.5% down for qualified borrowers, and VA loans offer up to 100% financing for eligible borrowers. Lower down payments usually mean mortgage insurance on conventional and FHA loans. Our down payment guide explains the tradeoffs.

Is Lendia a bank or a broker?

Lendia is a mortgage broker, which means we arrange your loan with a lender rather than lending our own money. Lendia, Inc. is licensed in California only. You can verify our license on the NMLS Consumer Access website using NMLS #295073.

Ready to talk about your Junction City purchase or refinance? Request a rate quote or call (949) 333-4636.

Lendia, Inc. | 1907 Millwood St, Santa Ana, CA 92705 | NMLS #295073 | Licensed by the California DRE #01877189