San Diego County · VA Loan Specialists
San Diego Mortgage Broker | VA Loans, FHA & Conventional | Options Home Loans
Options Home Loans serves San Diego County with VA, FHA, conventional, and jumbo mortgage programs. Specializing in VA loans for military families near Naval Base San Diego, MCAS Miramar, and Camp Pendleton. SD County loan limit: $1,006,250. Same-day pre-approval.
$1.006M
SD Conforming Limit
0%
VA Down Payment
5+
Military Bases Served
Same Day
Pre-Approval
San Diego Mortgage Market Overview
San Diego County is one of California's most dynamic real estate markets, driven by a combination of military presence, biotech and defense industries, and year-round desirable climate. With a median home price of approximately $875,000 in 2026 and a 2026 conforming loan limit of $1,006,250, most San Diego buyers can access conventional financing without going jumbo. The county's large military population makes VA loans one of the most-used mortgage programs in the region.
VA Loans in San Diego — The Military Community's Best Mortgage
San Diego is home to the largest concentration of military personnel in the United States. Naval Base San Diego, MCAS Miramar, Camp Pendleton, NAS North Island, and Naval Base Point Loma collectively serve tens of thousands of active duty service members and their families. VA loans offer these borrowers zero down payment, no PMI, and competitive rates — benefits that are especially powerful in San Diego's high-cost market. Options Home Loans specializes in VA purchase loans, VA IRRRLs (streamline refinances), and VA cash-out refinances throughout San Diego County.
San Diego County Loan Limits 2026
The 2026 conforming loan limit for San Diego County is $1,006,250 — significantly higher than the national baseline of $806,500. This means San Diego buyers can finance homes up to $1M+ with conventional Fannie Mae/Freddie Mac programs at competitive rates. FHA loans in San Diego County also carry the $1,006,250 limit. For homes above $1,006,250, Options Home Loans offers jumbo loan programs with competitive rates and flexible underwriting.
San Diego Neighborhoods We Serve
Options Home Loans serves buyers throughout San Diego County: Coastal (La Jolla, Del Mar, Encinitas, Carlsbad, Oceanside), Central (Mission Valley, Kensington, North Park, Hillcrest, Normal Heights), East County (El Cajon, Santee, Lakeside, Alpine), South Bay (Chula Vista, National City, Bonita), North County Inland (Escondido, San Marcos, Vista, Fallbrook), and the military communities surrounding Camp Pendleton, Miramar, and Naval Base San Diego. We also serve Coronado Island and the beach communities of Pacific Beach, Ocean Beach, and Mission Beach.
FHA Loans in San Diego — 3.5% Down
FHA loans are popular with San Diego first-time buyers and those with lower credit scores. The 2026 FHA loan limit for San Diego County is $1,006,250, covering most San Diego home purchases. FHA requires 3.5% down with a 580+ credit score and allows gift funds. For buyers in Chula Vista, El Cajon, Santee, and other more affordable San Diego communities, FHA loans provide an accessible path to homeownership. Options Home Loans is an FHA-approved lender serving all of San Diego County.
Conventional Loans in San Diego
Conventional loans are the most common mortgage type for San Diego buyers with good credit and stable income. With San Diego's $1,006,250 conforming limit, most purchases can be financed conventionally. Conventional loans require 620+ credit (680+ for best rates), 3–20% down payment, and standard income documentation. For buyers with 20% down, conventional loans eliminate PMI entirely. Options Home Loans shops conventional rates across 40+ wholesale lenders to find the most competitive pricing for San Diego buyers.
Self-Employed Mortgage Loans in San Diego
San Diego's biotech, defense contracting, and tech sectors produce many self-employed borrowers and independent contractors. Options Home Loans offers bank statement loans for San Diego's self-employed community — qualify using 12–24 months of bank deposits instead of tax returns. DSCR investor loans are also available for San Diego real estate investors looking to expand their rental portfolio without income documentation.
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San Diego County · VA Specialists
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