Mortgage Broker in Los Angeles, CA — Home Loans for Purchase and Refinance

If you are buying a home or refinancing in Los Angeles, 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. Los Angeles is in Los Angeles County, and we arrange loans for properties throughout the county.

Buying or Refinancing in Los Angeles

Los Angeles is not one housing area so much as dozens of distinct neighborhoods stitched together. Downtown and the Westside include high-rise and mid-rise condominiums, the San Fernando Valley is largely suburban single-family streets, and the hills above Hollywood and Silver Lake hold steep lots with older homes. Across the city you will also find duplexes, triplexes, and bungalow courts, along with plenty of lots that have room for an accessory dwelling unit.

Those property types bring different financing questions. Condominium loans depend on the building’s association finances, and some buildings are easier to finance than others. Hillside homes can involve unusual appraisals and insurance considerations, and larger loan amounts can mean higher-balance or jumbo loans in a high-cost county. Buyers of small multifamily properties may want to understand how rental income is treated, and homeowners planning an ADU often ask about renovation or construction financing. We take the time to match the program to the address, because the address shapes which loan options apply.

Common Loan Situations in Los Angeles

• Condo buyers. Review of the HOA’s budget, reserves, and litigation status can determine whether a building is financeable at all.
• Two-to-four-unit purchases. Investors and owner-occupants buying small multifamily buildings need loan options that account for rental income and occupancy rules.
• ADU and remodel plans. Homeowners who want to add a unit or renovate can explore refinance or renovation products tied to the property’s future value.

Los Angeles County Loan Limits for 2026

The 2026 conforming loan limit for a one-unit home in Los Angeles County is $1,249,125. Los Angeles County is a designated high-cost area, so its limit sits at the national ceiling for 2026. Conventional loans above that amount are jumbo loans, which follow different guidelines. 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 Los Angeles

• 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 Los Angeles County limit of $1,249,125.
• 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 Los Angeles 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 Los Angeles Borrowers

What is the loan limit in Los Angeles County?

For 2026, the one-unit conforming limit in Los Angeles County is $1,249,125. 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 Los Angeles 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 Los Angeles 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