Mortgage Broker in San Diego — VA, FHA & Jumbo Loans | Options Home Loans
San Diego County · California
Mortgage Broker San Diego | VA, FHA & Jumbo Loans
Quick Answer — San Diego Mortgage Facts (2026)
- SD County conforming limit: $1,006,250 — covers most San Diego purchases
- VA loans: 0% down, no PMI — ideal for SD's large military community
- FHA minimum down payment: 3.5% with 580+ credit score
- Jumbo loans: Available above $1,006,250 up to $3M+
- Self-employed: Bank statement loans — no W-2 or tax returns required
- Pre-approval speed: Same-day for most borrowers
$1.006M
SD Conforming Limit
0%
VA Down Payment
40+
Wholesale Lenders
Same Day
Pre-Approval
San Diego Mortgage Rate Snapshot — July 2026
Indicative wholesale rates for well-qualified San Diego County borrowers. Actual rates depend on credit score, LTV, loan amount, property type, and lock period. Rates change daily.
| Loan Program | Rate | APR |
|---|---|---|
| 30-Year Fixed (Conforming) | 6.875% | 6.94% |
| 15-Year Fixed (Conforming) | 6.125% | 6.21% |
| FHA 30-Year Fixed | 6.625% | 7.31% |
| VA 30-Year Fixed | 6.375% | 6.44% |
| Jumbo 30-Year Fixed | 7.125% | 7.19% |
| Bank Statement (Non-QM) | 7.500% | 7.62% |
Rates as of July 2026. Not a commitment to lend. All loans subject to credit approval, underwriting, and program availability. APR includes estimated fees.
San Diego Mortgage Market Overview
San Diego County is one of the most desirable real estate markets in California, combining coastal beauty, a strong military presence, and a booming tech and biotech economy. With a county-wide median home price approaching $950,000 and neighborhoods ranging from entry-level Chula Vista to ultra-luxury La Jolla and Coronado, San Diego buyers need a mortgage broker who understands the full spectrum of loan programs. Options Home Loans serves all of San Diego County from our Southern California office.
San Diego County Loan Limits 2026
San Diego County has a 2026 conforming loan limit of $1,006,250 for a single-family home — significantly higher than the national baseline of $806,500. This high-cost area limit means San Diego buyers can access conventional financing on most purchases without needing a jumbo loan. For homes above $1,006,250 — common in La Jolla, Del Mar, Coronado, and Rancho Santa Fe — Options Home Loans offers jumbo programs up to $3M+ with competitive rates.
VA Loans in San Diego — Zero Down for Military Families
San Diego is home to one of the largest concentrations of military personnel in the United States. Naval Base San Diego, MCAS Miramar, Naval Air Station North Island, and nearby Camp Pendleton create a massive community of VA-eligible borrowers. VA loans offer zero down payment, no PMI, and competitive rates — and with full entitlement, there is no loan limit. On a $900,000 San Diego home, the VA benefit saves $180,000 in upfront cash compared to a 20% conventional down payment. Options Home Loans is a VA-approved lender specializing in San Diego military home purchases.
FHA Loans in San Diego — 3.5% Down
FHA loans are available in San Diego County up to the $1,006,250 limit, making them suitable for most San Diego purchases. FHA requires 3.5% down with 580+ credit and allows gift funds. For first-time buyers in Chula Vista, El Cajon, National City, and Santee, FHA loans provide an accessible path to homeownership. CalHFA down payment assistance can be layered on top of FHA to reduce out-of-pocket costs further. Options Home Loans is a CalHFA-approved lender.
San Diego Neighborhoods We Serve
Options Home Loans serves buyers throughout San Diego County: Coastal (La Jolla, Del Mar, Coronado, Pacific Beach, Ocean Beach, Mission Beach), Central (Hillcrest, North Park, South Park, Mission Hills, Kensington), North County (Carmel Valley, Rancho Bernardo, Scripps Ranch, Poway, Escondido, San Marcos, Oceanside, Carlsbad, Encinitas), East County (El Cajon, Santee, Lakeside, La Mesa), and South Bay (Chula Vista, National City, Bonita, Otay Ranch). We also serve the Temecula Valley and Inland Empire communities bordering San Diego County.
Wholesale Rates from 40+ Lenders — Why It Matters in San Diego
As a wholesale mortgage broker, Options Home Loans accesses rates from 40+ lenders that are typically lower than what retail banks offer. In San Diego's high-price market, even a 0.25% rate difference on an $850,000 loan saves approximately $127/month — $45,720 over 30 years. We do not charge origination fees or buy-down costs that inflate the effective rate. Our pricing is transparent: the rate you see is the rate you get.
Self-Employed Mortgage Loans for San Diego Borrowers
San Diego's tech, biotech, and defense contracting sectors produce many self-employed borrowers whose tax returns understate actual income. Options Home Loans offers bank statement loans (12–24 months of deposits instead of tax returns), P&L loans, and asset utilization programs for self-employed San Diego buyers. These programs are available for primary residences, second homes, and investment properties throughout San Diego County.
Serving San Diego from Our Southern California Office
Options Home Loans
12900 Garden Grove Blvd, Ste 136
Garden Grove, CA 92843
NMLS #2221613 · Licensed in CA, CO, FL, WA
San Diego Mortgage FAQs
San Diego County · California
Get Your San Diego Mortgage Rate Quote
Same-day response · No credit pull · VA specialists · NMLS #2221613
Written & reviewed by Kevin P. Vu
Licensed Mortgage Broker · NMLS #2221613 · Serving San Diego County since 2018
Editorial standards
Rate data updated monthly. Loan limits sourced from FHFA 2026 announcements. Content reviewed for accuracy before publication.
Not a commitment to lend. All loans subject to credit approval, underwriting, property review, and program availability. Rates shown are indicative and subject to change without notice. Options Home Loans LLC · NMLS #2221613 · Equal Housing Opportunity · Licensed in CA, CO, FL, WA.