FHA VS Conventional loan in Freedom, Santa Cruz County, California

In the year 2025, the Conventional loan limit for Freedom within the county of Santa Cruz, CA, has been set at $805,000. Meanwhile, the FHA limit for a single-family residence is $805,000.

Leverage the Lendersa® Conventional loan calculator to compare the top rates for Conventional, FHA, and USDA loans today, assessing the income, credit score, reserves, and necessary documentation to qualify. Our advanced mortgage calculator places Conforming Conventional, USDA, FHA, and VA loans side by side, helping you select the ideal program in CA for your unique financial situation.

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Loan limits and downpayment requirements in Freedom, located in Santa Cruz, CA, for 2025

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

This comparison table is relevant to zip codes: 95076, 95019

Available Conventional and FHA loan options in Freedom, CA

The purpose of Lendersa® is to efficiently provide you the most suitable loan, whether it's Conventional, USDA, or FHA, without undue hassle. Select from three initial steps to discover matching lenders and loan programs tailored to your needs.

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  • Propel Home Loans LLC
  • 8400 Normandale Lake Blvd, Suite 920, Minneapolis, MN, 55437
  • We don’t just pitch rates. That doesn’t take any skill. Sure, we have some of the best rates available in the market, but that doesn’t mean that a particular lender or interest rate is right for you and your goals. We believe that our professional responsibility is to help you manage your mortgage debt over your lifetime.
  • SharePoint Credit Union
  • 5300 Hyland Greens Drive, Bloomington, MN, 55437
  • SharePoint is committed to serving the financial needs of its members through quality financial products & a strong community presence. SharePoint is leading the way in service & products for our members. We strive to give our members the service they deserve, while enhancing their financial well-being. Our personal service, competitive rates.
  • Caprate Mortgage LLC
  • 10112 League Line Rd, Conroe, TX, 77304
  • Caprate Mortgage LLC a Christian based company, is committed to helping you find the right mortgage product for your needs. Lending not only to the Lake Conroe area and The Woodlands but all of Texas. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements.
  • Ladiya LLC
  • 24839 Crystal Leaf Lane, Katy, TX, 77494
  • We develop relationships that make a positive difference in the lives of our customers. At Ladiya Mortgage we are committed to providing our clients with an exceptional level of customer service that is superior to our competitors. Bhanuchand Paruchuri Mortgage Broker at Ladiya Mortgage.
  • Leverage Financial Mortgage LLC
  • 24274 Katy Freeway, Suite 400, Katy, TX, 77494
  • We are a full-service mortgage company based in Katy, TX. We specialize in Mortgage Purchase and Refinance in Katy, Houston, Sugar Land, Alief, Spring and the entire Greater Houston area. We also serve the surrounding cities in Fort Bend County. Whether you are buying a home or refinancing in or around zip code 77494
  • HomeWay Mortgage
  • 23218 Red River Dr., Katy, TX, 77494
  • HomeWay Mortgage is a full-service mortgage company dedicated to providing clients with detailed personal service at competitive rates. HomeWay Mortgage stands apart because it is a direct lender providing clients with great service, low rates, experienced loan officers and unique loan products in addition to the standard purchase.
  • Texana Bank
  • 3620 Richmond Rd, Texarkana, TX, 75503
  • At Texana Bank, we offer local branch and online banking, mortgage and loan services, with the support you expect from your community bank. More than that, you will experience an extraordinary relationship banking with Texana. We are your neighbors, your friends and your bankers.
  • TEXAR Federal Credit Union
  • 2301 Richmond Rd, Texarkana, TX, 75503
  • TEXAR FCU is a “community first” credit union, serving our members in and around the Texarkana area since 1951. Employing almost 90 employees, TEXAR includes one main branch and five branch offices in its service area. All citizens of Cass, Bowie, and Miller Counties and most citizens of Red River and Lamar Counties are eligible for membership.
  • The First National Bank of Milaca
  • 190 - 2nd Ave SW, Milaca, MN, 56353
  • The First National Bank of Milaca is a family-owned community bank headquartered in Milaca, Minnesota, with $217 million in total assets. The Bank was founded in 1897 and today has four offices located in Milaca, Isle, Gilman and Zimmerman, focused on serving retail customers and business firms in the communities it serves.
  • Minnesota Bank & Trust
  • 7701 France Avenue South, Edina, MN, 55435
  • We offer our employees unlimited opportunities for career development, growth and the ability to contribute to the vitality of your community. Our clients choose to bank with us because of our robust product offerings, high-touch service, and commitment and impact in our communities.
  • BendOver BackWard Broker
  • 510 W 77th St, Suite 380, Edina, MN, 55435
  • Dionna Ward handles your home financing with friendliness and finesse to get you moving forWARD with a mortgage or refinance. She brings her own personal touch to servicing her clients, which puts you at ease and gives you that much-needed assurance that she’s got your back during the entire process. She brokers your home loan with care.
  • Metropolitan Financial Mortgage Company
  • 4445 West 77th Street, Suite 210, Edina, MN, 55435
  • MetroFMC works hard to establish great working relationships with a wide variety of banks to enable you to have access to some of the lowest mortgage rates available. We pride ourselves on the training and knowledge we get directly from the banks that will provide you with your loan