FHA VS Conventional loan in Lompoc, Santa Barbara County, California

In 2025, Convetional loan limit in Lompoc, county of Santa Barbara, CA is $805,000 while FHA limit is $805,000 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 Lompoc, county of Santa Barbara, CA

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

The comparison table applies to zip codes: 93436, 93438

Conventional and FHA loan options in Lompoc, 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


  • Mortgage Rate Utah
  • 6900 900 E, Suite 150, Midvale, UT, 84047
  • We are mortgage experts with decades of experience and we work for YOU! We don’t work for lenders or banks or mortgage companies. We work with you to find the best loan and then find the right lender for your needs. Once we find the perfect loan, we represent you throughout the process. Put our experience to work so you find the loan
  • Direct Mortgage, Corp
  • 6955 S. Union Park Center, Suite 540, Midvale, UT, 84047
  • Direct Mortgage, Corp. is a Mortgage Banking company that delivers loan programs and underwriting services at competitive rates to Community Banks, Credit Unions, Mortgage Bankers, and to Mortgage Brokers nationwide.DMC's competitive niche is being small and attentive. It also provides blazing turn times, utilizing.
  • Veritas Funding
  • 7730 S. Union Park Avenue, Suite 200, Midvale, UT, 84047
  • Veritas founding iSince 2004 day one, we’ve strived toward a culture of transparency, support, and dependability. Our team of highly skilled professionals have committed to providing superior mortgage solutions, communicating openly and honestly, and continuously improving their knowledge and skillset to offer the best service they can
  • United First Mortgage
  • 7351 Union Park Ave, Suite 225, Midvale, UT, 84047
  • United First Mortgage. We are a full-service mortgage company based in Salt Lake City, Utah. We specialize in FHA, Conventional, VA, and Rural Housing home loans in Salt Lake City as well as all counties in the state. We also serve the surrounding cities in Salt Lake County. Whether you are buying a home or refinancing.
  • Nebo Credit Union
  • 730 East 300 South, Springville, UT, 84663
  • Founded on March 8, 1956 by teachers from the Nebo School District, we’re proud to be a part of this community. We’re your friends and your neighbors, and we mean it when we say we want to advocate for you and see you succeed. We haven’t forgotten what it means to be your local credit union,
  • Mortgage Zone, LLC
  • 1190 North Main, Suite 20, Springville, UT, 84663
  • Mortgage Zone is a brokerage specializing in home loans. If you are buying or refinancing, we can help you get the options you need to reach your financial goals. We offer renovation, home improvement, and renovation loan options. When you want to refinance, we can help you understand your options.
  • SecurityNational Mortgage Company
  • 5300 South 360 West, Salt Lake City, UT, 84123
  • SecurityNational Mortgage Company was established in 1993. Dedicated to servicing residential mortgage loans, SNMC currently operates hundreds of professional branch offices across the United States with nearly one thousand loan professionals nationwide. SecurityNational Mortgage Company headquarters is located in Salt Lake City, Utah.
  • Security National Commercial Capital
  • 5300 South 360 West Suite 310, Salt Lake City, UT, 84123
  • Security National Commercial Capital is a subsidiary of Security National Financial Corporations (NASDAQ-SNFCA) and operates the commercial lending arm of the company. Since we don’t securitize funds we use all our own sources of financing without taking to another investor for final approval. This makes borrowing much simpler and streamlined.
  • Provident Financing Group
  • 1713 East Sandy's Grove Ln, Sandy, UT, 84092
  • 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
  • Mortgage Solutions of Utah
  • 11470 S 1320 E, Sandy, UT, 84092
  • Mortgage Solutions LLC is small! Small means fast, efficient & fluid. Small also means you deal with Kevin Mansouri & one other directly. Being a Small & being a Broker, gives you the best edge when getting your loan. Or, if you’re a realtor, it gets your client the best deal period.