California is the largest mortgage market in the country by dollar volume. Most coastal and Bay Area counties are designated high-balance, with conforming limits of $1,209,750 — meaningfully above the national floor. Median home prices in San Francisco, San Mateo, Santa Clara, and Marin counties remain above $1.5M.
From first-time buyer help to luxury jumbo financing — Lending Arena handles the full mortgage stack across California. Click any program to see California-specific guidance, eligibility, and pricing notes.
3.5% Down Across LA, San Diego & The Bay
Learn more →$0 Down for California Veterans
Learn more →High-Balance Conforming Up to $1.2M+
Learn more →Jumbo Financing for LA, OC, San Diego & The Bay
Learn more →Qualify on California Rental Income
Learn more →Self-Employed Mortgages Across California
Learn more →Foreign Buyer Specialists Across California
Learn more →First-Time Buyer Programs Across California
Learn more →CA Bridge & Hard Money up to $5M
Learn more →California Refi Built for High-Balance & Coastal Markets
Learn more →Common California-specific questions we answer every week.
Lending Arena, NMLS #1603937. Licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act and/or the California Finance Lenders Law. Equal Housing Lender. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. All loans are subject to credit and property approval. Do Not Sell or Share My Personal Information requests can be submitted to privacy@lendingarena.com.