Fixed Rate & Adjustable Rate


A Conventional Loan is a home loan insured by either Fannie Mae or Freddie Mac.  They are used for the purchase of primary, secondary and investment properties and have more restrictive credit guidelines.

California Conventional loans are offered both as fixed rate and adjustable rate loans, althought fixed rate loans account for the majority of home financing.   The loans are available in a variety of terms from 10 to 30 years. This loan type offers a consistent or “fixed” payment throughout the life of the loan. Standard fixed rate terms: 10, 15, 20, 25 or 30 years. By choosing a shorter fixed rate option, you can realize a substantial savings in interest over the life of the loan.

California Conventional Loan Limits – The maximum loan amount allowed for a Conventional Conforming Loan is $453,100 for 2018. However, in high cost areas, there are Conventional Super Conforming Limits currently up to $729,750. To check loan limits in your area, please give us a call and one of our licensed loan officers will be happy to assist you.

Are you a US Veteran?  A California VA Loan might be your best loan option.

Are you a 1st Time Home Buyer?  A California FHA home loan might be your best loan option.

Are you Looking to Purchase a Rural Property? California USDA home loan might be your best loan option.

View all California new home purchase loan options.


California Conventional Home Loans

Our Mortgage Loan Process


  • Direct Mortgage Lender- Low Rates & Low Fees
  • Streamline Process – Technology Driven
  • Control the Process From Application to Funding
  • Fast Closings – Typically 28 Days or Less!
  • Same Day Pre-Qualifications


  • Freddie Mac and Fannie Mae Insured
  • Primary, Second or Investment Property
  • Single and Multi Family, Condo’s & Manufactured Homes
  • Mortgage Insurance Options
  • Lower Rates and Better Terms
  • 97% Loan to Value – Conforming
  • 90% Loan to Value – High Balance
  • 80% Loan to Value – Jumbo

Have Questions? Speak with a California Home Loan Specialist!

Quick Rate Quote

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