FHA VS Conventional loan in Oceano, San Luis Obispo County, California

In 2025, Convetional loan limit in Oceano, county of San Luis Obispo, CA is $911,950 while FHA limit is $911,950 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 Oceano, county of San Luis Obispo, CA

Loan Type Loan Limit Down payment
Conventional Conforming $911,950 3%
USDA $644,000 0%
FHA $911,950 3.5%

The comparison table applies to zip codes: 93445, 93475

Conventional and FHA loan options in Oceano, 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


  • Liberty Bank, Inc.
  • 326 South 500 East, Salt Lake City, UT, 84102
  • Since 1956, Liberty Bank has been supporting small businesses and homeowners in the Salt Lake City area. We believe in offering excellent customer service, home loans, and competitive CD rates and Our bank also supports the local community by working with several local groups, such as the Salt Lake Rotary Club.
  • Ridgeline Federal Credit Union
  • 564 East 300 South, Salt Lake City, UT, 84102
  • Ridgeline Federal Credit Union (formerly known as Utah Federal Credit Union) has been open since 1951. The credit union has assets totaling $27.49 Million and provides banking services to more than 2, 000 members as of March 2022. The credit union is a member-owned financial cooperative providing banking services including savings, loans
  • Mortgage America, LC
  • 699 E. South Temple, Suite 140, Salt Lake City, UT, 84102
  • Mortgage America, LC offer a wide array of conventional mortgage loan products. Jennifer Berard has functioned as the Owner Lending Manager since our inception. Our committment is to exceptional customer service with 20+ years combined experience in the mortgage industry while providing the lowest interest rates available at reasonable costs.
  • Black Square
  • 807 E. South Temple, Salt Lake City, UT, 84102
  • Black Square was founded in 2009 to fill financial gaps in the real estate marketplace resulting from the collapse of the global financial markets. The principals of Black Square have in depth experience gained from purchasing, rehabilitating, renting and selling 1000's of single family homes for over 35 years.
  • Black Square
  • 807 E South Temple Suite 200, Salt Lake City, CA, 84102
  • Black Square was founded in 2009 to fill financial gaps in the real estate marketplace resulting from the collapse of the global financial markets. The principals of Black Square have in depth experience gained from purchasing, rehabilitating, renting and selling 1000's of single family homes for over 35 years
  • Zions Bank
  • 1 S Main St, Salt Lake City, UT, 84133
  • Zions Bank isn't just a Bank. We're part of your community, your next door neighbor, with more than 140 years of history behind every transaction and community investment. We offer access to ATMs throughout Utah, Idaho, and eight other states. We provide financial resources, wealth management solutions, mortgage services, and more
  • Brighton Bank Utah
  • 7101 S Highland Dr, Salt Lake City, UT, 84121
  • Over the past 34 years the employees of Brighton Bank have worked hard providing the highest level of service to its customers. As a community bank with our foundation established in the neighborhoods we serve, we feel it is important to understand the needs of our customers. We strive to provide sound financial products
  • Mark Moyes Team
  • 910 East 6600 South, Salt Lake City, UT, 84121
  • At Intercap Lending, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. You will find that the skill, professionalism,
  • Fink & McGregor Mortgage, L.C.
  • 6691 South 1300 East, Salt Lake City, UT, 84121
  • Fink & McGregor is a Utah based mortgage company serving the state of Utah. We offer a wide variety of mortgage services, including VA Loans, FHA Loans, Refinancing and more. We are financial experts that work hard to find the best solution for you!variety of mortgage services, including VA Loans, FHA Loan.
  • Intercap Lending - Dante Esquibel
  • 2750 E Cottonwood Parkway, Suite 660, Cottonwood Heights, UT, 84121
  • The Intercap Lending - Dante Esquibel Team is based in Cottonwood Heights, UT. We pride ourselves on offering competitive rates and outstanding service. We make the loan process simple, straightforward, and fast for all types of borrowers. Whether you are purchasing your dream home or looking to refinance an existing loan
  • Ascension Mortgage Brokers, Inc.
  • 3462 Tree Farm Ln, Cottonwood Heights, UT, 84121
  • When you partner with Ascension Mortgage Brokers, you’re making a choice to work with the best in the business; true professionals with the experience, skill set, attitude and determination to provide you with a fast, air-tight, comprehensive, no-nonsense streamlined process that not only achieves your financial objectives.
  • Movement Home Loans LLC
  • 7135 South Highland Drive, Suite 202, Salt Lake City, UT, 84121
  • 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.