Explore the differences! FHA VS Conventional loan programs in Novato, Marin County, California

For 2026, the conventional loan cap in Novato, within Marin county, CA, is $1,089,300, whereas the FHA limit is $1,089,300 for a single-family home.

Make use of the Lendersa® Conventional loan calculator to compare rates of Conventional, FHA, and USDA loans available today. This tool provides insights into income, credit, reserves, and document requirements needed to qualify. View Conforming Conventional, USDA, FHA, and VA loans side by side to choose the best fit for your financial situation in CA.

Explore loan offers from 100 different lenders

2026 Loan Limits and Downpayment Requirements in Novato, Marin County, CA

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

The information presented applies to these zip codes: 94949

Available Loan Options: Conventional and FHA in Novato, CA

Lendersa® is dedicated to securing the best possible Conventional, USDA, or FHA loan with efficiency and ease. Start by selecting one of three paths, leading to matched lenders and loan options:

Results from USDA loan requests via Lendersa


Novato Lenders

  • Lend Agents Mortgage Inc.
  • 372 Bel Marin Keys, Suite H, Novato, CA, 94949
  • Lends in California
  • As an independent mortgage company our goal is to provide the lowest rates and best service to our customers. Because we work with many lenders, including major banks, small lenders, insurance and trust companies, and private funds, we can offer you the most competitive rates in the industry.

  • Financial Concepts Inc
  • 4040 Civic Center Drive, Suite 200, San Rafael, CA, 94903
  • Lends in California
  • Financial Concepts, Inc. is a full service Real Estate, Mortgage Brokerage, Tax Preparation and Financial Services company. We focus on a wide variety of clients with the ability to meet virtually most anyone’s needs.
    Our real estate division specializes in residential, investment and relocation properties for both buyers.

  • Mayfair Mortgage
  • 4040 Civic Center Drive, Suite 200, San Rafael, CA, 94903
  • Lends in California
  • Mayfair Mortgage Industry Veteran and Market Leader with in-depth experience in the Real Estate and Mortgage Banking industry. Licensed Real Estate Lending in San Francisco Bay Area since 2006. Extensive background & Specialist in Corporate and Residential relocations, Project management, Property Development, and Contract negotiation.

  • Capital Mortgage Consultants Inc
  • 4040 Civic Center Drive, Suite 200, San Rafael, CA, 94903
  • Lends in California
  • "Our mission is to assist property owners with achieving their goals. We loan on all types of properties and help all types of people.
    Residential Refinance or Purchase-We are approved with dozens of lenders and shop for the lowest rate on your behalf. Because we are approved with many lenders, we are the Broker you want to apply with."

  • California Mortgage Advisors, Inc
  • 4304 REDWOOD HIGHWAY, SUITE 100, San Rafael, CA, 94903
  • Lends in California
  • California Mortgage Advisors, Inc. is a full service mortgage banker servicing California since 1993. CMA has built a strong reputation by providing professional and honest client consultation, highly competitive loan programs and superior customer service to our clients and Real Estate professionals.

  • NonQMHomeLoans.com
  • 7250 Redwood Drive, Suite 300, Novato, CA, 94945
  • Lends in California
  • NonQMHomeLoans.com is a full-service marketing agency providing the broad spectrum of Conventional & Non-QM Mortgage products.Our knowledgeable team of experts will constantly impress with the first-class service never before experienced in the industry.NonQMHomeLoans.com, our core strengths are the personal touches and unique products we deliver.

  • Private Funds Direct
  • 1555 Grant Avenue, Novato, CA, 94945
  • Lends in California
  • Kevin Green and Pacific Private Money specialize in supporting funding for real estate investors and borrowers throughout California. I am dedicated to providing fast, friendly, reliable, and no-nonsense service. Pacific Private Money is a member of both the California Mortgage Association and the American Association of Private Lenders.

  • Dryden Capital Inc.
  • 1202 Grant Ave. B-1, NOVATO, CA, 94945
  • Lends in California
  • Dryden Capital provides Borrowers with fast creative solutions to their financing needs. We are local to the Bay Area but lend throughout California. We make all type of investment loans including Investment properties, Multifamily, Commercial, Rehab, Mixed Use and Construction Loans.

  • Pacific Private Money
  • 1555 Grant Avenue, Novato, CA, 94945
  • Lends in California
  • In 2008, we identified a need in underserved capital markets left behind in the wake of the financial crisis. Since then, we have grown quickly by serving the expanding market of borrowers who are unable to secure conventional financing, and by specializing in short-term, fast-funding situations.

  • Community First Credit Union
  • 1539 S Novato Blvd, Novato, CA, 94947
  • Lends in California
  • Community First Credit Union was founded by seven LOCAL teachers who were denied home loans by banks (back in the day, teachers weren't paid in summer months, and bankers decided teachers weren't smart enough to save up for those months). Since that founding, our "field of Membership" was expanded to include anyone who was a resident of Lake