Mortgage Programs

Lendia Mortgage — California Home Loans
Find the right loan program for your situation
Whether you're buying your first home, moving up, investing, or refinancing, Lendia works with a wide range of loan programs to fit your goals. Browse by loan type below or speak with a licensed advisor today.
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Loan programs

Jumbo loansFor loan amounts above the conforming limit. The go-to option for high-value California home purchases and refinances.Explore jumbo loans → Conventional loansFannie Mae and Freddie Mac backed financing for primary homes, second homes, and investment properties.Explore conventional loans →
FHA loansGovernment-backed financing with lower down payment requirements. Ideal for first-time buyers and those rebuilding credit.Explore FHA loans → VA loansZero down payment financing for eligible veterans, active-duty service members, and surviving spouses.Explore VA loans →
Non-QM loansFlexible qualification options for self-employed borrowers, investors, and those with non-traditional income documentation.Explore Non-QM loans → Specialty loansWealth Builder HELOC, Buy Before You Sell, Hard Money, Fix and Flip, HELOC, and Non-QM HELOC programs for California homeowners and investors.Explore specialty loans →

Reverse mortgages (HECM)
FHA-insured home equity conversion for homeowners 62+. See who qualifies, how you receive the money, what it costs, and how the program protects you.
Explore reverse mortgages →
TRID & closing disclosures
Your plain-English guide to the Loan Estimate, Closing Disclosure, APR, and closing-cost rules — so you can review your mortgage with confidence before you sign.
Explore the TRID guide →
Why Lendia

Independent brokerWe shop multiple lenders to find the best fit — not just one bank's options. Guideline expertiseDeep knowledge across loan types means we find solutions other lenders miss.
California focusedBased in Orange County, specializing in Southern California's market. Fast closingsResponsive service and efficient processing so you never miss a deadline.
Serving homebuyers and investors across California — including Orange County, Los Angeles County, San Diego County, the Inland Empire, and communities throughout Southern California. Lendia is licensed by the California DRE and NMLS.

New: the Lendia Loan Universe. See every California loan program on one map. Explore the Loan Universe