FHA VS Conventional loan programs in Brea, Orange County, California

In 2025, the limit for Conventional loans in Brea, Orange County, CA, is $1,089,300, whereas the FHA limit for a single-family home is $1,089,300.

Utilize the Lendersa® Conventional loan calculator to compare the best current rates for Conventional, FHA, and USDA loans. It helps determine income, credit, reserves, and needed documents for qualification. This advanced mortgage calculator presents Conforming Conventional loans, USDA, FHA, and VA side by side, assisting you in choosing the best program in CA for your financial needs.

Explore offers from 100 different lenders

Loan Limits and Down Payment Requirements for 2025 in Brea, Orange County, CA

Loan Type Loan Limit Down Payment
Conventional Conforming $1,089,300 3%
USDA $776,600 0%
FHA $1,089,300 3.5%

The following table pertains to zip codes: 92821, 92823, 92822

Examining Conventional and FHA Loan Options in Brea, CA

The core goal of Lendersa® is to provide you with optimal Conventional, USDA, or FHA loan options quickly and hassle-free. Begin with one of three pathway options leading to matched lenders and suitable loan programs.

USDA loan request and matching results with Lendersa


  • Stockton Mortgage R.E.L.S.C.
  • 6820 Pacific Avenue, Stockton, CA, 95207
  • Stockton Mortgage R.E.L.S.C. is the original Team of local experts for real estate loans. We strive to support our communities through easy to understand home loans, construction financing, and more! Mortgages are processed in a family friendly, yet boutique business atmosphere. 40 years Local & Now Online to Connect.
  • Tri-Valley Lending
  • 4600 N. Pershing Ave, Suite B, Stockton, CA, 95207
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Central Valley Mortgage Group
  • 5713 N. Pershing Avenue, Suite D2, Stockton, CA, 95207
  • We are a full-service mortgage company based in Stockton, CA. We specialize in FHA, VA, Conventional, USDA & JUMBO loans in Lodi, Linden, Patterson and Sonora. We also serve the surrounding cities in San Joaquin County, Stanislaus County, Madera County. We offer a wide range of refinance options, designed to best meet the needs of local borrowers.
  • Emerald Realty & Mortgage
  • 1330 W Robinhood Dr, Suite a 13, Stockton, CA, 95207
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • H.O.M.E. Lending
  • 1919 Grand Canal Blvd, A6, Stockton, CA, 95207
  • Our simple and effective approach speeds up the entire loan process and ensures our customers get the loan that best suits their individual needs at the most competitive rates. Whether it is your first home or an investment property we offer a wide range of financing options designed to meet your unique needs.
  • Mission San Jose Mortgage
  • 2111 West March Lane, Suite B100, Stockton, CA, 95207
  • Mission San Jose Mortgage, we have the experience, financial strength, and personalized service you can count on. As a client of Mission San Jose Mortgage, you will benefit from the personal attention and experience of our licensed mortgage professionals coupled with our wide range of competitive mortgage products
  • The Money Market, Inc.
  • 39899 Balentine Drive, Newark, CA, 94560
  • We Are The Amazon for Mortgage Solutions, your One-Stop Shop for real estate loans. We fund both residential and commercial. We can fund your fix and flips up to 100% of the acquisition and 100% of the rehab. We Fund QM (Agency) ranging from FHA, VA, USDA, Conforming, Conventional, and Jumbo Loans. We also fund non-QM loans for self-employed and
  • TeamMotta
  • 37600 Central Court, Suite 264, Newark, CA, 94560
  • American National Insurance Company’s philosophy is to not spend money in mass-marketing or national advertising campaigns – instead America National concentrate on developing better products with meaningful coverages, better overall pricing, sustaining the reputation for outstanding claims service.