Find Your Perfect
California Home Loan
FHA, VA, Conventional, and Jumbo loans from California's top lenders. Compare rates in 60 seconds with no credit impact.
Home Loan Programs
Find the right loan for your situation
Conventional Loans
From 6.5%
Traditional mortgage with 3-20% down. Best for buyers with good credit (620+).
FHA Loans
From 6.25%
Government-backed loan with lower credit requirements. Ideal for first-time buyers.
VA Loans
From 6%
Zero down payment for eligible veterans, service members, and surviving spouses.
Jumbo Loans
From 6.75%
For high-value California properties above conforming loan limits.
Home Loan FAQs
What credit score do I need for a California home loan?
Credit requirements vary by loan type: FHA loans accept 580+ (3.5% down), Conventional loans require 620+, VA loans typically need 620+, and Jumbo loans usually require 700+. LendyWendy matches you with lenders who specialize in your credit profile.
How much down payment do I need to buy a house in California?
Down payment requirements depend on loan type: VA and USDA loans offer $0 down for eligible borrowers, FHA loans require 3.5% down, Conventional loans start at 3% down for first-time buyers, and Jumbo loans typically require 10-20% down.
How fast can I get matched with lenders for a California mortgage?
Most borrowers receive matched lender offers within 60 seconds. Full pre-approval with your chosen lender typically takes 24-48 hours after document submission.
What is the difference between FHA and Conventional loans?
FHA loans are government-insured with lower credit requirements (580+) and 3.5% down, but require mortgage insurance for the life of the loan. Conventional loans require 620+ credit and 3-20% down, with PMI cancellable at 80% LTV.
Ready to Find Your California Home Loan?
Get matched with top California lenders in 60 seconds. FHA, VA, Conventional, Jumbo - we've got you covered.
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