Mortgage strategy for San Diego, CA
Coastal condos, military VA purchases, and move-up homes from La Jolla to Chula Vista — a plan sized to San Diego prices.
San Diego pairs some of California's strongest coastal demand with one of the country's largest military communities, so the right loan varies widely from buyer to buyer. A VA purchase near the bases, a warrantable-condo deal downtown, and a jumbo in La Jolla each need a different structure and lender.
Because the county's conforming limit sits between the national baseline and the high-cost ceiling, knowing exactly where your price lands — conforming, high-balance, or jumbo — changes your options. Sam maps that out before you write an offer.
Programs matched to San Diego buyers
VA purchase and refinance (including zero-down) for the military community; jumbo and high-balance conforming; warrantable and non-warrantable condo financing; conventional and FHA; and investor options — sourced across 50+ wholesale lenders.
2026 conforming loan limit in San Diego County
San Diego is a federal high-cost county, so its conforming limit of $1,104,000 sits above the national baseline of $832,750. Above $1,104,000, financing becomes a jumbo loan — common at San Diego's coastal price points and something Sam structures regularly.
Neighborhoods across San Diego we work in
From La Jolla, North Park and Coronado to Carlsbad and Chula Vista, Sam helps buyers, veterans, and owners across San Diego County.
Questions San Diego buyers ask
What is the 2026 conforming loan limit in San Diego County?
San Diego County is a designated high-cost county, so its 2026 one-unit conforming limit is $1,104,000 — above the $832,750 national baseline. Homes financed above $1,104,000 move into jumbo loans, which Sam handles routinely.
Do you offer VA loans for San Diego's military buyers?
Yes. San Diego's Navy and Marine Corps community makes VA one of the most valuable programs here — often zero down payment, no monthly mortgage insurance, and competitive terms. Sam handles VA purchases and refinances, including for first-time users of the benefit.
Start my San Diego financing plan Run the numbers first
Explore loan programs and calculators, or see other areas we serve: Los Angeles, Irvine, Anaheim.
Sam Razavi · NMLS #985351 · originating through C2 Financial Corporation, NMLS #135622. Not a commitment to lend. Equal Housing Opportunity.