FHA VS Conventional loan in El-Granada, San Mateo County, California

In the year 2026, the conventional loan limit in El-Granada, located in the county of San Mateo, CA, is set at $970,800. Meanwhile, for a single-family home, the FHA limit is $970,800.

To compare today's best Conventional, FHA, and USDA rates, use the Lendersa® Conventional loan calculator. It also helps determine the income, credit, reserves, and documentation needed to qualify. With our advanced mortgage calculator, Conforming Conventional, USDA, FHA, and VA loans are displayed side by side, assisting you in selecting the optimal program in CA for your unique financial situation.

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2026 Loan Limits and Down Payment Requirements in El-Granada, San Mateo County, CA

Type of Loan Loan Limit Down Payment
Conventional Conforming $970,800 3%
USDA $657,900 0%
FHA $970,800 3.5%

This comparison table is relevant for zip codes: 94019

Options for Conventional and FHA Loans in El-Granada, CA

Lendersa® is dedicated to finding you the best possible Conventional, USDA, or FHA loan quickly and without hassle. Choose one of three pathways to access the right lenders and loan programs for your needs.

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El-Granada Lenders

  • Dan Joy Realty
  • 412 Laurel Avenue, Half Moon Bay, CA, 94019
  • Lends in California
  • Dan Joy Realty founder of the Dan Joy My goal is to provide you fair pricing on ANY Loan and make VA real estate transactions as seamless as possible. If there is a Veteran who can’t qualify for a loan yet, I will guide you and point to people who can help rebuild your credit and I am a specialist in the Bay Area, helping Veterans with the VA Loan.

  • Real Estate Funding Service, Inc.
  • 700 Mill Street, Suite 13, Half Moon Bay, CA, 94019
  • Lends in California
  • Real Estate Funding Service, Inc. an independent Mortgage Brokerage firm licensed in the State of California, offering 30 year fixed rate loans with "interest only" options for purchases, refinance, construction and remodel of residential & commercial real estate properties. We also offer Seconds and Home Equity Lines of Credit.

  • Spinner Mortgage
  • 205 DeAnza Blvd, Suite 269, San Mateo, CA, 94402
  • Lends in California
  • At Spinner Mortgage we treat every loan as if it were our own. Whether it’s a loan for an investment property, a construction loan, cash for college tuition, remodeling, or a first-time homebuyer’s mortgage, each situation is carefully evaluated and addressed in detail. The result is a loan custom-tailored to meet specific needs.

  • Bay Mark Realty
  • 177 Bovet Road, Suite 100, San Mateo, CA, 94402
  • Lends in California
  • BayMark Financial, Inc. is a small, but efficient, full service mortgage brokerage firm located in the heart of the San Francisco Peninsula, specializing in the origination and servicing of short-term Trust Deed Notes. BayMark Financial is a real estate broker licensed by the California Bureau of Real Estate.

  • Simons & Company
  • 177 Bovet Road, Suite 600, San Mateo, CA, 94402
  • Lends in California
  • SIMONS & COMPANY is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial.

  • Mortgage Services
  • 177 Bovet Road Suite 130, San Mateo, CA, 94402
  • Lends in California
  • Mortgage Services offers automated underwriting; a knowledgeable and experienced staff; and extremely competitive pricing on everything from conventional/conforming fixed and adjustable rate products, through jumbo intermediate ARM's and home equity loans.Mortgage Services is dedicated to delivering its products and services on time.

  • Allwin Capital
  • 1010 S. El Camino Real, Suite A, San Mateo, CA, 94402
  • Lends in California
  • Allwin Capital has been providing service to clients from our San Francisco Bay Area base since 2010. Collectively, our consultants have over 100 years of experience in the mortgage industry.

    We are an independently owned and operated business, and welcome clients from the entire state of California

  • JB Private Investments
  • 651 Fordham Road, San Mateo, CA, 94402
  • Lends in California
  • JB Private Investments mission is to provide alternative financing for real estate investors as well as a secure investment for our investors in and around the San Francisco Bay Area. The company services are Commercial Multi Family, Construction, SFR Residential Investment, Bare Land

  • JB Private Investments
  • 651 Fordham Road, San Mateo, CA, 94402
  • Lends in California
  • JB Private Investments is a mortgage company located at 651 Fordham Road, San Mateo, CA 94402. JB Private Investments mission, is to provide alternate financing for real estate investors as well as a secure investment for our investors in and around the San Francisco Bay Area.​

  • Redwood Mortgage Corp.
  • 155 Bovet Road, Suite 302, San Mateo, CA, 94402
  • Lends in California
  • Redwood Mortgage is an established direct lender with over 40 years of experience in arranging and funding mortgage loans in California. Redwood Mortgage has funded $2 billion in loans and currently manages a loan portfolio of over $275,000,000. We review the borrower’s financial situation, as well at the property’s quality and equity.