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

In 2026, 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.

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Loan Limits and Down Payment Requirements for 2026 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

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


Brea Lenders

  • Mortgage Mac
  • 330 E. Lambert Rd, Suite 250, Brea, CA, 92821
  • Lends in California
  • Mortgage Mac is a Direct Lender who does everything in-house from application, processing, underwriting to closing. We strive to make your mortgage process quick, simple, and as hassle-free as possible

    We offer a wide array of loan options to fit virtually every need Including;
    Agency, FHA, Jumbo, HELOC and Portfolio programs.

  • EMET Lending Group
  • 2601 Saturn St, Suite 200, Brea, CA, 92821
  • Lends in California
  • Emet Mortgage is a mortgage lending company established in California that always prioritizes its clients and partners in everything we do to ensure your satisfaction and success. Not only Emet Mortgage consists of a large group of mortgage professionals with vast expertise in the industry but also we value

  • Wetzel Mortgage Group
  • 500 S. Kraemer Blvd, Suite 217, Brea, CA, 92821
  • Lends in California
  • Steven Wetzel (Loan Officer) is worked in Mortgage Banking for several years now. My success has been built upon the same tenants that made me successful running my family business- Customer Satisfaction, Integrity, and On Time Delivery. I enjoy working on the team because we pull together on all of our clients.

  • The A-Team
  • 3350 Birch St, Suite 140, Brea, CA, 92821
  • Lends in California
  • "We are THE A-TEAM of American Financial Network, Inc., a direct-lender with full delegation for FHA, VA, USDA, conventional loans and many other major secondary market institutions.

    We specialize in personalized mortgage solutions, fast customized quotes, great rates, & service with integrity."

  • First Americal Mortgage
  • 351 Oak Place, Suite K, Brea, CA, 92821
  • Lends in California
  • At First Americal Investments we strive to make you a client for life. We want to be your first choice each and every time you need a home loan. We always try to go above and beyond for you so that you will always feel confident referring your family and friends to us for their mortgage financing needs.

  • DGH Home Mortgage
  • 1411 Woodcrest Avenue, Brea, CA, 92821
  • Lends in California
  • We offer a variety of Home Mortgages, Conventional, High Balance Conventional, Jumbo, FHA,VA, Reverse Mortgages, Equity lines for Home Purchases and Refinances, for first time homebuyers to the experienced home buyers and investors. Currently also closing HARP 2.0 loans with many of our lending instutitions.

  • S & S Home Loans
  • 400 West Lambert Road, Suite F, Brea, CA, 92821
  • Lends in California
  • S & S Home Loans has been providing our client's real estate financing expertise since 1983. We value each relationship and strive to educate and inform our clients to make the loan process simple and transparent. Whether buying or refinancing or gal is to provide extraordinary service and we work hard to earn our clients trust and confidence.

  • Charis Loans, Inc.
  • 135 South State College Boulevard, Suite 200, Brea, CA, 92821
  • Lends in California
  • Charis is a word that is used for both giving and receiving. All of us, at Charis Loans, are both aware and thankful that we’ve been given grace, favor, and kindness throughout our lives. Our mission is to put those qualities into our work and give all of our clients an experience equal to our name. We appreciate the opportunity to serve.

  • AmWest Funding Corp
  • 6 Pointe Drive, Suite 300, Brea, CA, 92821
  • Lends in California
  • AmWest Funding Corp. was originally founded in 1995. The organization is driven by a highly successful management team possessing an average of two decades of experience among its core leadership. Focused on providing home loans responsibly throughout the communities we serve exceptional customer experience for you and your client.

  • American Financial Network, Inc.
  • 10 Pointe Drive, Brea, CA, 92821
  • Lends in California
  • As one of the fastest growing mortgage bankers in the United States, we opened our doors in 2001 and have since expanded with many community based branches across the nation. Headquartered in Brea, CA, AFN built its reputation as an outstanding mortgage banking firm by serving the lending needs of real estate professionals