Explore the differences! FHA VS Conventional loan programs in Laguna-Niguel, Orange County, California

In 2025, Convetional loan limit in Laguna-Niguel, county of Orange, CA is $970,800 while FHA limit is $970,800 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.

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2025 loan limits and downpayment requirments in Laguna-Niguel, county of Orange, CA

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

The comparison table applies to zip codes: 92677, 92607

Conventional and FHA loan options in Laguna-Niguel, 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


  • Virginia National Bank
  • 222 E Main Sstreet, Charlottesville, VA, 22902
  • Virginia National Bank opened in Charlottesville, VA in July 1998 with more than 900 local shareholders. As a true community bank, we not only meet the needs of our community, but we are also a part of its growth The VNB story continues to unfold. As we continue to grow, we will never lose sight of the critical ingredients to our continued success.
  • All Credits Mortgage
  • 360 Stone Creek Point, Suite 302, Charlottesville, VA, 22902
  • All Credit Mortage are a family-owned mortgage brokerage, specializing in finding home loans for people with all credit scores.Our ability to shop different mortgage investors at wholesale rates allows us to reward customers with a larger range of products, allowing higher and lower credit scores, as well as the best rates for them, nationally
  • JP Mortgage Lending
  • 422 Allegheny Street, Hollidaysburg, PA, 16648
  • Our company is based on the belief that our customers’ needs and those of their family are of the utmost importance. Our entire team is committed to meeting those needs. As a result, over 80 percent of our business is from repeat customers and referrals. We value our Past Clients, Realtor, Builder and Financial Planner relationships.
  • Wellington Mortgage
  • 1103 N. Juniata St., Hollidaysburg, PA, 16648
  • We are a team focused on supporting our borrowers to the best of our ability. We make sure to listen intently and answer all of your questions as we guide you through the process of buying a home. Reach out to our dedicated team today. Wellington Mortgage is the most efficient and simplest way to manage buying a home.
  • Snare & Associates Mortgage Services, LLC
  • 110 Jefferson Street, Suite 101, Hollidaysburg, PA, 16648
  • Snare & Associates Mortgage Services, LLC works to move each of our clients into the home of their dreams. Homebuyers all throughout Pennsylvania, who are unsure where to start or where to find the best loans will appreciate our Free, Quick, and Easy application process and competitive rates.
  • Triangle Mortgage
  • 111 Brooks Ave, Raleigh, NC, 27607
  • 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.
  • Hayes Hyman
  • 1121 Situs Court, Suite 100, Raleigh, NC, 27606
  • Hayes Hyman and Team are at Corporate Investors Mortgage Group My team and I here at Corporate Investors Mortgage Group, where I serve as Sr. Mortgage Loan Officer in the Raleigh office, have been at Corporate Investors since 2005. My team has over 100 years of combined mortgage banking experience. We are proud to have one the most experienced.
  • Fonville Morisey
  • 3600 Glenwood Avenue, Suite 150, Raleigh, NC, 27612
  • Founded in 1973, Fonville Morisey has set the bar for the local real estate industry, by working to deliver a “one-stop shopping experience” and continually striving to offer the best services possible for home buyers and sellers. This includes Prosperity Home Mortgage, LLC dba FM Lending Services, a full service mortgage banking company.
  • FM Lending Services
  • 4509 Creedmoor Road. Suite 201, Raleigh, NC, 27612
  • FM Lending Services is a full service mortgage banker specializing in residential purchase and refinance loans. FM Lending Services offers a wide range of mortgage products, including fixed and adjustable rate mortgages, jumbo loans, Federal Housing Administration (FHA) and Veterans Affairs (VA) loans, USDA loans, new construction loans.
  • MortgageMecca Inc
  • 4701 Creedmoor Rd, Suite 105, Raleigh, NC, 27612
  • "We have access to a vast array of mortgage options and our highly-trained mortgage specialists can find the perfect fit for you. Beyond unbeatable rates, our service is consistent, reliable, and ultra fast. We deal with the banks for you and only do mortgages, so we can cut through the red tape. That means you get answers and final docs–fast."