FHA VS Conventional loan programs in Martinez, Contra Costa County, California

In 2026, the loan limit for a conventional loan in Martinez, Contra Costa county, CA is $1,089,300, while the FHA limit for a single-family home is $1,089,300.

Use the Lendersa® Conventional loan calculator to explore today's best rates between Conventional, FHA, and USDA options. Determine the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator displays Conforming Conventional, USDA, FHA, and VA loans side by side, helping you decide on the best program for your financial needs in CA.

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2026 Loan Limits & Down Payment Needs in Martinez, County of Contra Costa, CA

Loan Type Max Loan Down Payment
Conventional Conforming $1,089,300 3%
USDA $776,600 0%
FHA $1,089,300 3.5%

This comparison applies to zip codes: 94553

Explore FHA and Conventional Loan Options in Martinez, CA

The mission of Lendersa® is to swiftly offer you the best mortgage options with minimal fuss. Choose one of the three options to get matched with suitable lenders and loan programs.

Lendersa USDA loan request results


  • Nakoma Mortgage Company
  • 165 B Glassell Street, Orange, CA, 92866
  • Nakoma Mortgage Company was founded on one principle. “Say what you mean then do what you say.” In the Chippewa language, Nakoma means “I do as I promise.”

    Company
    We have spent almost two decades giving our customers usable knowledge of the mortgage loan process. Providing expert advice based on the goals of our clients

  • Stearns Home Loans - Fremont, CA
  • 1110 E. Chapman Ave, Suite 101, Orange, CA, 92866
  • Headquartered in Lewisville, TX, Stearns Lending, LLC and its affiliated entities have provided 30 years of mortgage lending services throughout the United States where licenses are held. Stearns’ business channels include wholesale, retail, joint venture, and financial institution groups.

  • Amerifund Corporation & Realty
  • 17155 Newhope St, Suite H, Fountain Valley, CA, 92708
  • The Amerifund Corporation & Realty can help you finance your dream home with our low-interest-rate loans! We make it easy to buy a home with simple processes and streamlined service to provide you with all your home-buying needs in one place. Whether you are looking for an FHA loan, Fixed-Rate Loan, or even a Jumbo Loan, we've got you covered.

  • Infiniti Home Loans Inc.
  • 16480 Harbor Boulevard, Suite 201, Fountain Valley, CA, 92708
  • Our philosophy is Homeownership Guidance for life! We specialize in low cost or no closing cost Refinance and new purchase home loans. We can lock a loan free of charge and absolutely no application fee. We promise to provide you with the highest level of customer service. We’ve been first time home buyers.

  • Remington Home Loans Inc.
  • 17220 Newhope Street, Suite 220, Fountain Valley, CA, 92708
  • At Remington Home Loans, where we specialize in residential mortgages. At Remington Home Loans, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.

  • Brymus Capital Inc.
  • 16480 South Harbor Boulevard, Suite 104, Fountain Valley, CA, 92708
  • Brymus Capital was established in 2005, and specializes in mortgage and real estate services. We help you understand how the loan process works. Weather your buying your first home or refinancing, selling or looking to invest Brymus Capital can assist you with all your mortgage and real estate needs.

  • EELending
  • 16151 Cache Street, Fountain Valley, CA, 92708
  • Customer service is our top priority as we go out of our way to ensure our customers have the smoothest transaction possible. We know that each customer has specific needs, so we strive to meet those needs with a wide array of investment tools, mortgage products and individual attention.

  • ML Realty & Mortgage
  • 17195 Newhope, Suite 105, Fountain Valley, CA, 92708
  • ML Realty & Mortgage serves as a middleman between borrowers and lenders in the real estate market. Whether you’re buying a new home or refinancing, ML Realty & Mortgage gathers loan options from various lenders for you to consider, while qualifying you for a mortgage with those lenders at the same time.

  • GNC Capital
  • 9430 Warner Avenue, Suite C, Fountain Valley, CA, 92708
  • GNC Capital is an Orange County based mortgage broker in Southern California. We want our clients to experience a seamless process when obtaining a mortgage loan. Providing Quality Service through Education and being forthright with full transparency is our business culture. and also financial strategy is tailored for each one of our clients.

  • Choice Home Mortgage
  • 9550 Warner Avenue, Suite 200, Fountain Valley, CA, 92708
  • Choice Home Mortgage is a mortgage broker based in Southern California. Our team of experts will work around the clock to find the best possible rate. We understand that your mortgage is much more then an interest rate. It is your home, your future and your financial security. Make the Right Choice. At Choice Home Mortgage.

  • Optimum First Mortgage
  • 8900 Warner Avenue, Fountain Valley, CA, 92708
  • Optimum First Mortgage! We are home loan experts dedicated to making sure your home purchase or refinance experience is top-notch.Having funded over 20, 000 loans since our inception, we have solidified ourselves as the low price leader in the lending marketplace. Our reputation speaks for itself with over 3000 positive online reviews

  • Lininger Mortgage
  • 9550 Warner Ave, Suite 250, Fountain Valley, CA, 92708
  • At Lininger Mortgage, we are committed to providing top-notch assistance with originating and processing loans. Established in 2015, we are a loan broker company serving various clients in the California area. Count on our dependable team of licensed loan processors and officers to help you from start to finish.