Los Angeles Mortgage Broker
Los Angeles, California Mortgage Rates & Broker Services
Buying or refinancing in We compare rates from 20+ wholesale lenders to find your lowest rate. Local CA expertise, Los Angeles County knowledge, pre-approval in 24 hours.
$1,249,1252026 conforming limit (High-Cost Ceiling)
CA licensedNMLS #2134550
24 hrsPre-approval turnaround
20+ lendersShopped for your file
Los Angeles Mortgage Quick Facts
Los Angeles County qualifies for the FHFA high-cost conforming ceiling. Here's the snapshot of the Los Angeles, CA mortgage market.
$1,249,125
2026 Conforming Limit
(High-Cost Ceiling)
(High-Cost Ceiling)
$1.0M
Median Home Price
(Los Angeles Metro)
(Los Angeles Metro)
3.9M
Population
(Los Angeles)
(Los Angeles)
9 states
Where OnPoint is Licensed
(incl. California)
(incl. California)
Why Use a Mortgage Broker in Los Angeles
LA's housing market is dominated by jumbo and high-balance conforming loans. With the 2026 conforming ceiling at $1,249,125 in Los Angeles County, most condo and SFR purchases in central LA, Westside, and the Valley use the high-cost conforming tier rather than crossing into jumbo territory.
Local CA Knowledge
Los Angeles County conforming limits, California-specific programs (DPA, USDA where applicable), and lender preferences for local property types.
20+ Wholesale Lenders
We shop your specific file across 20+ wholesale lenders to find the lowest rate that actually closes — not a teaser quote.
24-Hour Pre-Approval
Real pre-approval letter in 24 hours so you can submit competitive offers in the Los Angeles market without delay.
Loan Programs Available in Los Angeles
Every loan type used in the Los Angeles, CA market — we match your file to the lender and program with the best pricing for your scenario.
Conventional
Standard Fannie/Freddie loans for buyers with 3-20% down and 620+ FICO.
Learn more →Jumbo
Loans above the conforming limit, priced separately by wholesale lenders.
Learn more →FHA
3.5% down with 580+ FICO. Strong choice for first-time buyers.
Learn more →VA
Zero down for veterans and active-duty service members. No PMI ever.
Learn more →HELOC
Tap your home equity without touching your first mortgage rate.
Learn more →
Free · 24-Hour Turnaround
Get Your Los Angeles Mortgage Quote
A licensed California loan specialist will call within 24 hours with rate pricing matched to your file. No credit pull on the first call.
Got it. We’ll be in touch within 24 hours.
A California loan specialist will call you with pricing matched to your file.
☎ (877) 870-0007The Los Angeles Pre-Approval Process
Three steps to pre-approved and offer-ready.
1
Quote Request
Free analysis. No credit pull on the first call. We confirm your Los Angeles scenario and target rate.
2
Pre-Approval
24-hour turnaround with a real pre-approval letter you can submit with offers in the Los Angeles market.
3
Close in 21-30 Days
Standard close timing for most Los Angeles purchase loans. Refi typically 21-35 days.
Los Angeles Mortgage FAQ
What's the 2026 conforming loan limit in
Los Angeles is in Los Angeles County, which falls under the High-Cost Ceiling conforming tier at $1,249,125. Loans above that amount are jumbo and priced separately by wholesale lenders.
Is OnPoint Mortgage Pro licensed in
Yes. OnPoint Mortgage Pro is licensed in 9 states including California. Our NMLS ID is #2134550. We close loans in Los Angeles and across the entire state.
How fast can I close a mortgage in
Purchase loans in Los Angeles typically close in 21-30 days. Refinances (especially FHA Streamline and VA IRRRL) close in 14-21 days. We coordinate with Los Angeles-area title companies and appraisers to keep timelines tight.
Do you offer VA loans in
Yes. We close VA loans across California for active-duty service members, veterans, and surviving spouses. See our VA loan guide for current rates, eligibility, and the IRRRL streamline refinance program.
What's the minimum down payment for a Los Angeles mortgage?
VA: 0% down for eligible veterans. FHA: 3.5% with 580+ FICO. Conventional: 3% for first-time buyers, 5% standard. Non-QM and DSCR programs vary. We model all options at quote time for your Los Angeles scenario.
Get Your Los Angeles Mortgage Quote in 24 Hours
Free analysis from a licensed California mortgage specialist. No credit pull on the first call. Rate comparison from 20+ wholesale lenders.
☎ (877) 870-0007Mon-Fri 8am-7pm PT · Sat 9am-3pm PT · Licensed in 9 states · NMLS #2134550
Terms & Conditions: Los Angeles mortgage rates and program availability shown are illustrative. Actual rate depends on credit profile, debt-to-income, property type, occupancy, loan amount, and current market conditions at lock time. Los Angeles is in Los Angeles County, California, with a 2026 conforming loan limit of $1,249,125 (High-Cost Ceiling). Loans above that are jumbo and priced separately. Subject to credit and program approval. OnPoint Mortgage Pro is a licensed mortgage broker; NMLS #2134550. Equal Housing Lender.