FHA VS Conventional loan programs in 2024 for Aptos, Santa Cruz County, California

In 2024, Convetional loan limit in Aptos, county of Santa Cruz, CA is $805,000 while FHA limit is $805,000 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in CA is best for your particular financial situation.

Compare loan offers from 100 lenders

2024 loan limits and downpayment requirments in Aptos, county of Santa Cruz, CA

Loan Type Loan Limit Down payment
Conventional Conforming $805,000 3%
USDA $626,500 0%
FHA $805,000 3.5%

The comparison table applies to zip codes: 95003, 95001

Conventional and FHA loan options in Aptos, CA

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Ditmas Park Capital
  • 11 Hawk Way, Lakewood, NJ, 08701
  • Ditmas Park Capital is a Limited Liability Partnership operating since 2015 that was established to initiate and invest in High Yield Real Estate Mortgages. We have over $20, 000, 000 under management and hold first lien mortgages on over 200 properties. We bundle these mortgages together and have created a hedge fund structure
  • FM Home Loans
  • 1229 Madison Avenue, 1st Floor, Lakewood, NJ, 08701
  • Since its inception in 1991, FM Home Loans, LLC has been helping homeowners from all backgrounds purchase their dream home. With more than one billion in closed purchased transactions in 2015 alone, our company of over 175 employees are dedicated to the highest standards of ethics, responsiveness and customer service.
  • Ark Mortgage, Inc
  • 317 Monmouth Avenue, Suite 20, Lakewood, NJ, 08701
  • Ark Mortgage is a full-service mortgage lender with an experienced staff offering expertise in every area of mortgage lending, from purchase to refinance.We have innovated new products & processes that make getting you home —easier, faster & better than ever! All of our lending specialists are committed to finding the right loan with the best rates
  • NKC Lending Group
  • 344 Grove St Suite 218, Jersey City, NJ, 07302
  • We Close On Time.
  • BlockFi
  • 201 Montgomery St, Suite 263, Jersey City, NJ, 07302
  • Founded in 2017 by Zac Prince and Flori Marquez, BlockFi was created to provide credit services to markets with limited access to simple financial products. BlockFi sets itself apart from other crypto service providers by pairing competitive rates with institutional-quality benefits.
  • Asset Based Lending LLC
  • 30 Montgomery Street Suite 215, Jersey City, NJ, 07302
  • "Asset Based Lending LLC (ABL) is your first choice for private, hard money real estate lending! Let us fund your next ""fix and flip."" Asset Based Lending, LLC (ABL) is a private commercial lender founded in 2010. Our mission is to help real estate investors, quickly and efficiently, finance their business activities. "
  • Miami Firefighters Federal Credit Union
  • 1111 NW 7th St, Miami, FL, 33136
  • Miami Firefighters Federal Credit Union is a not-for-profit, cooperative banking institution, serving its members since 1935 with a wide array of benefits designed to meet all the banking needs of its members and their families. It all began in 1935, in a small room behind Station 1, then called Central Station on Flagler St.
  • Ensource Financial Corp
  • 1951 North West 7th Avenue, Suite 600, Miami, FL, 33136
  • Definition of insanity is doing the same thing over & over and expecting a different result. From this idea and because we want to be the change we want to see, is why Ensource Financial exists. We want to redefine the Mortgage experience by cutting out the bull and letting you know if the juice is really worth the squeeze,
  • Sun Mortgage Company, Inc.
  • 2 Robbie Rd Cortlandt, Manor, NY, 10567
  • Sun Mortgage Company, Inc., professional mortgage company specializing in residential mortgages. 7 years Five Star Mortgage Professionals, Ranking in the top 1% for client satisfaction out of 1,800 Realtors, Westchester Magazine. At Sun Mortgage Company, Inc., we will find a loan that fits each borrower.
  • Capital Lending
  • 8417 Bergeline Avenue, North Bergen, NJ, 07047
  • We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, financing tools & best of all quality service & individual attention.Capital Lending Corp. has committed itself to serve the underserved-from people in urban & ethnic minority communities that many financial institutions overlook.
  • International Lenders Inc
  • 2665 Southwest 37th Avenue, Suite 804, Miami, FL, 33133
  • We are a Mortgage Broker company specialized in assisting U.S Citizen and Foreign national clients gain access to asset based loans in the U.S. We’re about simplifying the process that gets clients from pre qualification to funding. Whether it’s your first attempt at getting pre-qualified or banks have previously turned you down
  • NEWLOANCO
  • 3390 Mary Street, Suite 116, Coconut Grove, FL, 33133
  • At NEWLOANCO , our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage..