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California areas we serve
From the Simi Valley office we close purchase, refinance and HELOC loans anywhere in California. Pick your city for rates priced for its county, its own loan limits and a guide for each way people borrow there.
Ventura County
Home base. Our branch is on Tapo Street in Simi Valley, and Ventura County has its own high-cost loan limits.
Simi Valley
Ventura County
Our home office, with mostly 1970s to 1990s single-family homes.
Conforming $1,035,000FHA $1,035,000
Thousand Oaks
Ventura County
Conejo Valley values where high-balance and jumbo loans both come up.
Conforming $1,035,000FHA $1,035,000
Ventura
Ventura County
Midtown bungalows, hillside homes and east-end tracts.
Conforming $1,035,000FHA $1,035,000
Oxnard
Ventura County
First homes, condos and harbor-area properties; FHA and VA buyers are common.
Conforming $1,035,000FHA $1,035,000
San Fernando Valley and Los Angeles
Long-held Valley homes with deep equity and low first mortgages, the core of our HELOC work.
San Fernando Valley
Los Angeles County
The Valley as a whole, where long-time owners carry large equity.
Conforming $1,249,125FHA $1,249,125
Los Angeles
Los Angeles County
Condos, duplexes and houses citywide, often at or above the conforming limit.
Conforming $1,249,125FHA $1,249,125
Chatsworth
Los Angeles County
Larger lots and horse-property pockets in the northwest Valley.
Conforming $1,249,125FHA $1,249,125
Woodland Hills
Los Angeles County
Hillside homes south of the boulevard and tracts near Warner Center.
Conforming $1,249,125FHA $1,249,125
West Hills
Los Angeles County
1960s and 1970s neighborhoods well suited to remodel lines.
Conforming $1,249,125FHA $1,249,125
Canoga Park
Los Angeles County
A more attainable West Valley entry point.
Conforming $1,249,125FHA $1,249,125
Tarzana
Los Angeles County
Ventura Boulevard condos and hillside homes.
Conforming $1,249,125FHA $1,249,125
Reseda
Los Angeles County
Post-war homes where ADUs and garage conversions are common.
Conforming $1,249,125FHA $1,249,125
Northridge
Los Angeles County
Family neighborhoods near CSUN, plus rentals.
Conforming $1,249,125FHA $1,249,125
Granada Hills
Los Angeles County
Mid-century homes with plenty of long-held equity.
Conforming $1,249,125FHA $1,249,125
North Hills
Los Angeles County
Smaller homes and condos popular with first-time buyers.
Conforming $1,249,125FHA $1,249,125
Santa Clarita
Los Angeles County
Master-planned communities, often with HOA or Mello-Roos.
Conforming $1,249,125FHA $1,249,125
Los Angeles County
Separate cities with their own tenant rules, all at the LA County high-cost loan limit and the county transfer tax only.
Long Beach
Los Angeles County
Port jobs, Belmont Shore and Naples jumbo homes, and a city just-cause ordinance.
Conforming $1,249,125FHA $1,249,125
Glendale
Los Angeles County
Hillside homes on the north side and tenant relocation rules for landlords.
Conforming $1,249,125FHA $1,249,125
Pasadena
Los Angeles County
Craftsman homes, Measure H rent control and Eaton Fire rebuilding nearby.
Conforming $1,249,125FHA $1,249,125
Burbank
Los Angeles County
Studio-town neighborhoods with strong equity and tenant protections.
Conforming $1,249,125FHA $1,249,125
Torrance
Los Angeles County
South Bay homes where most households own, near Los Angeles Air Force Base.
Conforming $1,249,125FHA $1,249,125
Orange County
Prices near or above the conforming ceiling, Mello-Roos in the newer villages, and local rent rules in Santa Ana.
Anaheim
Orange County
Hills homes and flatland tracts, with short-term rentals closed to new permits.
Conforming $1,249,125FHA $1,249,125
Santa Ana
Orange County
Local rent control and a city down payment loan for first-time buyers.
Conforming $1,249,125FHA $1,249,125
Irvine
Orange County
Master-planned villages, Mello-Roos and jumbo-level prices.
Conforming $1,249,125FHA $1,249,125
Huntington Beach
Orange County
Coastal homes where flood zones matter as much as the rate.
Conforming $1,249,125FHA $1,249,125
San Diego County
A military market where VA loans are routine, with its own county loan limit between the baseline and the ceiling.
San Diego
San Diego County
Navy and Marine Corps families, SDHC buyer help and a strict short-term rental cap.
Conforming $1,104,000FHA $1,104,000
Chula Vista
San Diego County
Otay Ranch and Eastlake new construction, often with Mello-Roos.
Conforming $1,104,000FHA $1,104,000
Inland Empire
More house for the money, FHA-friendly limits and buyers moving in from the coast.
Riverside
Riverside County
March Air Reserve Base, UC Riverside renters and a city transfer tax.
Conforming $832,750FHA $690,000
San Bernardino
San Bernardino County
Some of the most affordable prices in Southern California.
Conforming $832,750FHA $690,000
Bay Area and Northern California
Some of the highest values in the country, where jumbo and high-balance loans are the norm.
Oakland
Alameda County
Older homes and small multifamily across the flats and hills.
Conforming $1,249,125FHA $1,249,125
Fremont
Alameda County
South East Bay values where jumbo is routine.
Conforming $1,249,125FHA $1,249,125
Hayward
Alameda County
Mid-century homes and townhomes at more attainable East Bay prices.
Conforming $1,249,125FHA $1,249,125
Concord
Contra Costa County
Central Contra Costa homes, many with room for an ADU.
Conforming $1,249,125FHA $1,249,125
West San Jose
Santa Clara County
Established neighborhoods near Santana Row where most loans are jumbo.
Conforming $1,249,125FHA $1,249,125
Santa Clara
Santa Clara County
Homes and condos near major tech employers.
Conforming $1,249,125FHA $1,249,125
Sunnyvale
Santa Clara County
Eichler-era and newer homes with some of the highest equity in the state.
Conforming $1,249,125FHA $1,249,125
Santa Rosa
Sonoma County
Sonoma County, where wildfire insurance is part of every loan.
Conforming $897,000FHA $897,000
Fairfield
Solano County
Solano County homes near Travis Air Force Base.
Conforming $832,750FHA $685,400
San Jose
Santa Clara County
Eichler tracts, a city transfer tax on high-end sales and rent rules for older apartments.
Conforming $1,249,125FHA $1,249,125
San Francisco
San Francisco County
Jumbo nearly everywhere, rent control on older buildings and TIC lending.
Conforming $1,249,125FHA $1,249,125
Sacramento and Central Valley
Prices well under the conforming limit, so conventional and FHA financing go a long way.
Clovis
Fresno County
Central Valley neighborhoods where conforming and FHA loans go a long way.
Conforming $832,750FHA $541,287
Sacramento
Sacramento County
State workers and Bay Area move-ins at prices far under the conforming limit.
Conforming $832,750FHA $764,750
Fresno
Fresno County
Affordable single-family homes where FHA and conventional loans dominate.
Conforming $832,750FHA $541,287
Bakersfield
Kern County
Kern County prices well under the limits, with oil and farm employers.
Conforming $832,750FHA $541,287
Stockton
San Joaquin County
Bay Area commuters on the ACE train and levee-protected neighborhoods.
Conforming $832,750FHA $678,500
Modesto
Stanislaus County
Stanislaus County homes priced for first-time buyers.
Conforming $832,750FHA $545,100
Wherever you are in California
Send a few details and Mike will price your purchase, refinance or HELOC with us and, when it helps, against other wholesale lenders, usually the same business day.
Prefer to talk? Call 800-801-5626.