FHA VS Conventional loan programs in 2026 for Pismo-Beach, San Luis Obispo County, California

In 2026, the Conventional loan limit in Pismo-Beach, San Luis Obispo county, CA is $805,000, while for FHA loans, the limit is $805,000 for a single-family home.

Try the Lendersa® Conventional loan calculator to evaluate the best current rates for Conventional, FHA, and USDA loans. Assess income, credit, reserves, and required documents for qualification. Our advanced mortgage calculator allows side-by-side comparisons of Conforming Conventional loans, USDA, FHA, and VA options, helping you choose the optimal program in CA for your financial situation.

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2026 Loan Limits and Downpayment Requirements in Pismo-Beach, San Luis Obispo, CA

Loan Type Loan Limit Down payment
Conventional Conforming $805,000 3%
USDA $561,200 0%
FHA $805,000 3.5%

This table applies to the zip codes: 93449

Explore Conventional and FHA Loan Options in Pismo-Beach, CA

Lendersa® aims to swiftly provide the best available Conventional, USDA, or FHA loan for you, without any hassle. Choose from three pathways to connect with matching lenders and loan programs.

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Pismo-Beach Lenders

  • SLO Credit Union
  • 1220 Osos Street, San Luis Obispo, CA, 93401
  • Lends in California
  • In 1953, four local but separate credit unions came together to form the Credit Union Center, becoming the only one of its kind in the country. Separately, each one struggled to maintain office hours and operating staff. Today, these four have merged into one strong entity known simply as the SLO Credit Union.

  • Arrona Financial Real Estate Lending
  • 599 Higuera Street, Suite F, San Luis Obispo, CA, 93401
  • Lends in California
  • Arrona Financial Real Estate Lending specializes in getting your home loan funded. From first time home buyers to seasoned investors, Arrona Financial has the experience, knowledge and ability to make your next real estate transaction a smooth one. From purchase money to refinance, we have the loan to fit your needs.

  • Pacific Trust Mortgage
  • 735 Tank Farm Rd. Suite 210, San Luis Obispo, CA, 93401
  • Lends in California
  • Pacific Trust Mortgage was originally founded in 2002 with the genuine belief in creating clients for life. Founded in San Luis Obispo, CA, PTM is rooted in the Central Coast and is fast becoming the preferred lending partner for Realtors, CPA’s, Financial Advisors, and builders alike.

  • California Mortgage Solutions, Inc
  • 1980 Reina Court, San Luis Obispo, CA, 93405
  • Lends in California
  • We have the ability to function as a mortgage lender and a mortgage broker, we are able to shop around for the lowest mortgage rates available. We provide a full range of home loan products and all of our Mortgage Consultants are dedicated to finding the right loan, with the best terms, to meet our clients' unique needs.

  • EquityReach Mortgage Solutions
  • 567 Camino Mercado, Suite C, Arroyo Grande, CA, 93420
  • Lends in California
  • Founded in 1990, EquityReach Mortgage Solutions is a full-service mortgage banking company offering an extensive selection of Conventional, Government, Bond Programs, Jumbo and Reverse Mortgage real estate loans. EquityReach Mortgage Solutions is a division of Golden Empire Mortgage, Inc, one of the most successful.

  • ZS Mortgage Group
  • 556 Camino Mercado, Suite C, Arroyo Grande, CA, 93420
  • Lends in California
  • ZS Mortgage Group is one of the top lending teams in the country. We are dedicated to providing our clients Next-Level service and a holistic approach to the mortgage process.

    We are team of top-notch professionals who provide a level of service beyond the typical mortgage experience.

  • Assist Home Loans
  • 214 East Branch Street, Suite B, Arroyo Grande, CA, 93420
  • Lends in California
  • At Assist Home Loans, a premier mortgage brokerage providing customers with direct access to the nation’s best lenders. We’ll leverage decades of experience to help you navigate the home loan process and use our expertise to find the perfect lender with the best loan for your unique situation.

  • Home Again
  • 2306 Willow Road, Arroyo Grande, CA, 93420
  • Lends in California
  • Home Again is a highly respected, and proudly recommended brokerage that retains a high level of personal attention towards each of the clients it chooses to work with. I did not become a broker to focus on creating a firm WIDE with Sales Agents in the field. No, I became a broker to focus my energy, knowledge and experience on just my own clients.

  • Pacific Coast Mortgage Group Inc.
  • 136 Bridge Street, Suite B, Arroyo Grande, CA, 93420
  • Lends in California
  • We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.Today's technology is providing a more productive environment to work in. You may also evaluate your different financing options

  • Mariner Mortgage Inc.
  • 701 East Grand Ave., Arroyo Grande, CA, 93420
  • Lends in California
  • At Mariner Mortgage Inc., We are home loan experts dedicated to making sure your home purchase or refinance experience is top-notch. We are a full-service mortgage company based in Arroyo Grande, California. We specialize in FHA Loans, VA Loans, Reverse Home Loans, and conventional home Loans in Arroyo Grande.