FHA VS Conventional loan programs in Rancho-Palos-Verdes, Los Angeles County, California

In 2026, the Conventional loan limit for Rancho-Palos-Verdes, situated in Los Angeles county, CA, is $970,800, while the FHA limit for a single-family home is $970,800.

Utilize the Lendersa® Conventional loan calculator to evaluate today's top rates among Conventional, FHA, and USDA loans. This tool helps you determine necessary income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator lets you see Conforming Conventional loans, USDA, FHA, and VA options side by side, aiding your decision on which program in CA suits you best.

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2026 Loan Limits and Down Payment Requirements in Rancho-Palos-Verdes, Los Angeles, CA

Loan Type Loan Limit Down Payment
Conventional Conforming $970,800 3%
USDA $657,900 0%
FHA $970,800 3.5%

This table refers to the following zip codes: 90275

Exploring Conventional and FHA Loan Options in Rancho-Palos-Verdes, CA

Lendersa® is committed to offering the best possible Conventional, USDA, or FHA loans quickly and hassle-free. Choose from three starting points that will connect you with matching lenders and loan programs.

Results from Lendersa USDA loan requests and matches


Rancho-Palos-Verdes Lenders

  • Capital Lending & Real Estate
  • 1977 Redondela Drive, Rancho Palos Verdes, CA, 90275
  • Lends in California
  • Capital Lending and Real Estate, Inc. is a client-centered mortgage brokerage firm, helping people purchase and finance their homes in the state of California since 1995. Whether you are purchasing your first home, refinancing an existing loan, or looking for a new investment, I am here to help you with all your needs!

  • Excel Funding Real Estate Services Inc
  • 28924 South Western Avenue, Suite 110, Rancho Palos Verdes, CA, 90275
  • Lends in California
  • Excel Funding Real Estate Services, Inc., we are a one-stop shop for Real Estate and Financing. With over 20 years of experience, we have helped thousands of people to buy their dream homes! Whether you are looking to refinance, purchase or sell property, we have the expertise to get the job done professionally and efficiently

  • Fairview Mortgage Capital, Inc.
  • 29000 S Western Ave, Suite 210, Rancho Palos Verdes, CA, 90275
  • Lends in California
  • The Fairview Mortgage Capital Team is your premiere mortgage team located in San Pedro, California. We pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the California area.

  • Security First Financial
  • 28631 South Western Avenue, Suite 103, Rancho Palos Verdes, CA, 90275
  • Lends in California
  • Security First Financial is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and We offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.

  • Nationwide Business Finance
  • 2308 Via La Brea, Suite 101, Palos Verdes Peninsula, CA, 90274
  • Lends in California
  • Nationwide Business Finance is composed of a group of highly experienced and seasoned, certified, financial professionals. With our knowledge and expertise, we can usually find a solution for all your financing needs. Unlike a bank, or local lending institution, which only lend to the most credit-worthy businesses.

  • South Bay Mortgage Brokers
  • 4000 Palos Verdes Drive North, Suite 108, Rolling Hills Estates, CA, 90274
  • Lends in California
  • South Bay Mortgage Brokers special is their commitment to getting results for clients and providing unparalleled customer service, communication, and timeliness. Tony’s objective is to make the loan process as clear and simple as possible. The next time you need assistance in securing financing.

  • Loans4Less.com
  • 22409 Susana Avenue, Torrance, CA, 90505
  • Lends in California
  • Loans4Less.com, Inc. is a public quoted holding company that owns Union Discount Mortgage, Inc. a licensed CA Real Estate Corporation and Mortgage Broker. Union Discount Mortgage, Inc. controls the rights to certain intellectual property, including but not limited to, the Loans4Less.com web site and the Loans4Less® Federal Service Mark.

  • So Cal Mortgage Co
  • 3812 Sepulveda Blvd, Suite 310, Torrance, CA, 90505
  • Lends in California
  • SoCal Mortgage Company provides a highly individualized level of service for clients seeking residential or commercial mortgage financing. Our clients experience a high level of personal attention from Owner / Broker Mike Richardson who has 35 years experience in commercial banking and real estate finance.

  • Pacific Mortgage Corp.
  • 24445 Hawthorne Blvd, Suite 201, Torrance, CA, 90505
  • Lends in California
  • Pacific Mortgage Co has been founded with the purpose of providing home owners and real estate investors the best possible mortgage loan solutions. We represent dozens of banks and mortgage lenders, allowing us to offer our client hundreds of loan programs and customized solutions to each mortgage loan request.

  • Midgate Mortgage
  • 24051 Neece Avenue, Suite B, Torrance, CA, 90505
  • Lends in California
  • Midgate Mortgage offers a wide range of mortgage options to meet your financial needs and circumstances. Whether you’re a first-time property buyer or interested in refinancing your mortgage, we're here to guide you through the process. Contact us today for a special offer and learn what we can do for you