Home loans for all of Los Angeles County.
From the Santa Clarita and San Fernando Valleys to the South Bay, the Westside and the San Gabriel Valley, I help LA buyers and homeowners pick the right loan in one of the most expensive housing markets in the country.
Why LA County loans need more planning
- Price points. With median prices far above the national average, many LA purchases land in high-balance conforming ($832,750 to $1,249,125) or jumbo (above $1,249,125) territory. Program choice can change your rate, your down payment and your mortgage insurance.
- Condos and townhomes. Many affordable entry points in LA are condos. FHA and conventional loans have building-approval rules, and some HOAs fail them. I check the project before you fall in love with the unit.
- Entertainment, gig and self-employed income. Variable income is normal in LA. I structure loans around W-2 plus residuals, 1099 income, or 12 to 24 months of bank statements.
- ADUs and multi-unit homes. Duplexes and properties with an ADU can let rental income help you qualify. See the Investor Loan Playbook.
Areas I serve in LA County
Down payment help in LA
Down payment assistance may be available depending on your income, the property and current funding. Statewide options include CalHFA programs, and some cities and LA County have run their own assistance programs. Availability and rules change often, so ask me which programs you qualify for and whether they work with your loan.
Programs
First-time buyers, conventional, FHA, VA, jumbo, refinance, HELOC, self-employed, investor and DSCR. Start with every program in one place.
Common questions
What is the 2026 conforming loan limit in Los Angeles County?
$1,249,125 for a one-unit home, the national high-cost ceiling. The FHA limit for a one-unit home in LA County is also $1,249,125.
How much income do I need to buy a home in Los Angeles?
It depends on price, down payment, rate, taxes, insurance and debts. As a rough rule, lenders want your total monthly debts including the new payment to stay under about 43% to 50% of gross income depending on the program. I'll run your exact numbers for free.
Can I buy a condo in LA with an FHA loan?
Yes, if the condo project is FHA-approved or qualifies for a single-unit approval. I check the building's status before you make an offer.
Do you work with buyers in the San Fernando Valley and Westside?
Yes. I originate loans across all of Los Angeles County and throughout California.
Every kind of home loan, one straight answer.
Want your real numbers?
No credit pull to start. Tell me what you're trying to do and I'll show you the payment, the cash to close and your best two or three options.
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