FHA VS Conventional loan programs in 2025 for Imperial-Beach, San Diego County, California

In 2025, Convetional loan limit in Imperial-Beach, county of San Diego, CA is $879,750 while FHA limit is $879,750 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

2025 loan limits and downpayment requirments in Imperial-Beach, county of San Diego, CA

Loan Type Loan Limit Down payment
Conventional Conforming $879,750 3%
USDA $615,000 0%
FHA $879,750 3.5%

The comparison table applies to zip codes: 92154, 91932, 91933

Conventional and FHA loan options in Imperial-Beach, 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


  • Sheridan Mortgage
  • 28662 Oso Parkway, Suite D401, Rancho Santa Margarita, CA, 92688
  • "Sheridan Mortgage Full-service mortgage company specializing in purchase loans. Our staff of experienced loan professionals can make any transaction smooth from start to finish. Let us show why so many families and referral partners have trusted us with their transactions too close on time. ""Expertise You Can Trust"
  • Oso Creek Financial
  • 32 Woodsong Rancho, Santa Margarita, CA, 92688
  • OSO Creek Financial is a local lender and broker The mortgage loan process is complex. To navigate it successfully, you need a mortgage professional to guide you and keep you from making the mistakes that can cost you time, money and stress. We do things differently and have the ability to shop and compare mortgage rates/programs for you
  • Vatreni Mortgage.
  • 30212 Tomas, Suite 100, Santa Margarita, CA, 92688
  • Vatreni, Inc. is a family-run real estate and mortgage company built on integrity. With over 88 years of combined real estate and mortgage lending experience, we believe our clients come first. Vatreni provides exceptional customer service by being upfront, clear and honest with the motto ‘Under promise, over deliver
  • FidoFI
  • 22431 Antonio Parkway, Suite 108, Rancho Santa Margarita, CA, 92688
  • FidoFi has a goal of being the most economical and most practical mortgage available. We deliver the lowest wholesale rate on any given day and pass that directly to you. You simply cannot beat our deal. FidoFi brings the best in mortgage lending products to your phone, tablet, or computer.
  • Blue Wave Funding
  • 30021 Tomas Rancho, Santa Margarita, CA, 92688
  • At Avacad, Inc, We are home loan experts dedicated to making sure your home purchase or refinance experience is top-notch. 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
  • Pacific Choice Mortgage
  • 30211 Avenida De Las Bandera, Suite 200, Rancho Santa Margarita, CA, 92688
  • We pride ourselves in giving you the mortgage information, loan options & convenient assistance you’re looking for.We never charge an application fee, escrow/impound waiver fee or lock-in fee.Your personal mortgage specialist will provide you with several options that best meet your needs. Buying or refinancing a home is stressful to say the least.
  • Serv Corp
  • 1968 S. Coast Hwy Suite 1222, Laguna Beach, CA, 92651
  • A Serv Corp private money loan provides flexible short-term financing solutions for investors to purchase new properties, refinance existing investments or fund renovation. Close in 7-10 days. Rates from 10.0% Up to 85% LTC & 70% ARV No application fees Get pre-approved in minutes Close in 7-10 days Low Costs Fees start at 1.25 Points
  • WestOne Home Mortgage Refinancing
  • 31658 Pacific Coast Hwy, Suite A, Laguna Beach, CA, 92651
  • We are committed to exceptional customer service offering tailored loans that take into account your cash flow, payment timeframe, equity plans and investment opportunities. At West One Capital Group, we assure you will get a loan that won't break your budget and provides you the flexibility.
  • VRB Mortgage, Inc.
  • 500 Emerald Bay, Laguna Beach, CA, 92651
  • Founded as an Affliate of one of the Nation's leading Veteran Home Buying Membership programs, VRB Mortgage has expanded from its initial focus on VA Loans to now providing loan officers that can provide any loan program to incldue FHA, Conventional and even Jumbo Loans.We can also help you refiance your current loan.
  • Associated Properties Inc.
  • 504 San Nicholas Court, Laguna Beach, CA, 92651
  • Associated Properties, Inc., a family-owned real estate & lending company, was founded back in 1964 and incorporated in 1973 by Albert George Geigele of Newport Beach California. His career in real estate & lending spanned over half a century. Those whom had the privilege to work with him will always remember him for his honesty and trust
  • Loan Works
  • 1050 South Coast Highway, Suite D, Laguna Beach, CA, 92651
  • Founded in 2011, the key to our success has been a combination of consistently offering the lowest possible and above all providing outstanding customer service. We take pride in treating our clients with honesty and integrity. We want to get to know you so that one of our seasoned loan officers can offer you the ideal financing solution.
  • Loans by Suzette
  • 430 Forest Avenue, Suite 1, Laguna Beach, CA, 92651
  • Loans by Suzette is an independently owned, full-service mortgage brokerage firm that provides a complete range of residential and income property financing options. The firm is headquartered in Laguna Beach, California, with an additional office in Beverly Hills, California, and handles financing all over the state via their partnership.