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$1,104,000 for a one-unit primary residence. That puts San Diego County in the mid-tier high-cost designation, above the national baseline ($832,750) but below the high-cost ceiling ($1,249,125) that LA, Orange, San Francisco, and other top-tier counties reach. Two-unit conforming is $1,413,400, three-unit is $1,708,750, four-unit is $2,123,300. FHA limits track conforming in 2026.

$1,104,000 for a one-unit primary residence, the same as the conventional conforming limit in San Diego County. Two-unit FHA goes to $1,413,400, three-unit to $1,708,750, four-unit to $2,123,300. FHA loans in San Diego require 3.5% down with credit scores 580+ (some lenders go to 500 with 10% down). FHA carries an upfront mortgage insurance premium of 1.75% of the loan amount, typically financed into the loan, plus an ongoing annual MIP of 0.55% paid monthly for the life of most loans (it can drop off after 11 years if the original LTV was 90% or lower). Because the SD County FHA cap matches the conforming cap in 2026, FHA stays viable across most of the San Diego housing market, not just the lowest price points.

Only if your loan amount exceeds the $1,104,000 conforming limit. The San Diego County median home price is roughly $900,000 in 2026, so most buyers can stay within conforming. La Jolla, Coronado, Del Mar, Rancho Santa Fe, and parts of Carmel Valley typically need jumbo financing. We broker both conforming and jumbo so you get the best program for your loan size.

Yes, and SD is one of our highest-volume areas for VA loans because of the bases here (Camp Pendleton, Naval Base San Diego, MCRD, NAS North Island, Naval Base Point Loma, Naval Amphibious Base Coronado). We work with active duty receiving PCS orders before they arrive, with veterans buying their first home, and with disabled vets eligible for the funding-fee waiver. VA loans require $0 down, no PMI, and typically price 0.25-0.5% below conventional.

21 days on most qualified purchase loans, sometimes 18 days when the file is clean and the appraisal comes back quickly. Refinances can close even faster, often 14-18 days. The rate-limiting step in San Diego is usually the appraisal (1-2 weeks because of high local volume) followed by underwriting (5-10 business days at most wholesale lenders).

FHA: 580 with 3.5% down, sometimes 500-579 with 10% down on certain programs. VA: most lenders want 580+, some accept 550 with compensating factors. Conventional: 620 minimum, but pricing improves significantly at 680, 720, and 760+. Higher scores unlock both lower rates and lower PMI on conventional loans with less than 20% down.

Yes. Our wholesale jumbo lender panel handles loans up to $5,000,000+ for La Jolla, Coronado, Del Mar, Rancho Santa Fe, Carmel Valley, and the rest of San Diego's coastal and luxury markets. Underwriting requirements get tighter on jumbo (higher reserves, full income docs, lower DTI), but we have multiple lenders competing for your file rather than depending on a single bank's jumbo guidelines.

Yes. San Diego has a lot of condo inventory (Downtown, Coronado, Pacific Beach, North Park, Mission Valley) and the condo project itself has to be approved by the lender, not just you the borrower. Some wholesale lenders are aggressive on condo approval, others are conservative. We route your file to the lender most likely to approve your specific HOA. We also help when the HOA has not yet been pre-approved.

Two years of W-2s, two years of personal tax returns, recent pay stubs (30 days), two months of bank statements for all accounts, your government-issued ID (CA driver's license or passport), and your homeowner's insurance information (we can help shop this). Self-employed borrowers need two years of business returns plus a P&L if mid-year. We send a complete document checklist after your initial quote.

Common scenario, especially for PCS orders to one of the SD bases. We start the loan based on your current income (your active-duty LES, civilian offer letter, or remote-work continuation letter). We work with the SD listing agent to time appraisal and closing around your move date. Most relocation files close in 21-30 days from the day we have an executed purchase contract.

Yes. OnPoint Mortgage Pro is licensed by the California Department of Financial Protection and Innovation (CA-DFPI) under license #60DBO-140540, and registered with the Nationwide Multistate Licensing System (NMLS #2134550). We operate under the California Financing Law. Every loan officer on your file is individually NMLS-licensed.