Mortgage Broker in San Diego, CA — Home Loans for Purchase and Refinance

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

Buying or Refinancing in San Diego

San Diego covers a wide stretch of coast, mesas, canyons and inland communities, and the housing changes noticeably from one part of the city to the next. Downtown and the waterfront have many condominiums, while coastal areas like Pacific Beach and La Jolla mix older homes with newer rebuilds. Farther inland you find suburban neighborhoods of single-family houses and townhomes, and the city has a major naval presence that shapes the community. Neighborhoods such as Clairemont, Rancho Penasquitos and University City each carry their own housing mix, which makes a one-size answer unrealistic.

With Navy and Marine Corps installations across the region, VA loans come up in purchases and refinances here. Higher-priced coastal neighborhoods can bring jumbo and higher-balance loans into play, while FHA or conventional programs fit many other purchases. Because some lots can host a second unit, homeowners also ask about financing an accessory dwelling unit or buying a property with rental potential. Share your timeline and property type and we will outline the options that apply to you.

Common Loan Situations in San Diego

• Military and veteran borrowers. VA financing can offer low or no down payment options, and refinancing options exist for current VA loan holders.
• Coastal and canyon homes. Properties in hillside or beach areas may involve larger loans and unique appraisal or insurance questions.
• Rental potential. Investors and owner-occupants adding an accessory unit can compare purchase and cash-out refinance structures.

San Diego County Loan Limits for 2026

The 2026 conforming loan limit for a one-unit home in San Diego County is $1,131,975. That is higher than the national baseline of $832,750 because of local home values in San Diego County. Conventional loans above the county limit 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 San Diego

• 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 San Diego County limit of $1,131,975.
• 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 San Diego 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 San Diego Borrowers

What is the loan limit in San Diego County?

For 2026, the one-unit conforming limit in San Diego County is $1,131,975. 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 San Diego 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 San Diego 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