Explore the differences! FHA VS Conventional loan programs in Rancho-Santa-Margarita, Orange County, California

In 2025, Convetional loan limit in Rancho-Santa-Margarita, county of Orange, CA is $970,800 while FHA limit is $970,800 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 Rancho-Santa-Margarita, county of Orange, CA

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

The comparison table applies to zip codes: 92679, 92688

Conventional and FHA loan options in Rancho-Santa-Margarita, 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


  • Beauchamp Mortgage LLC
  • 115 South C Street, unit 101, Lake Worth Beach, FL, 33406
  • Beauchamp Mortgages your Cross Border loan originator for Investments! We are also licensed in the state of Florida and Texas for residential mortgages and help many clients with purchases, re-finances , single family, multi-family and fix and flip. Our team of loan officers and processors have extensive experience helping you with your goals of o
  • FLAGLER BANK
  • 1801 Forest Hill Boulevard, West Palm Beach, FL, 33406
  • Our mission at Flagler Bank is to be the premier community bank in our service area by providing quality service for the financial needs of our customers. We strive daily to build long-lasting relationships with new customers and exceed the expectations of our existing customers. We want your experience with Flagler Bank to be exceptional!
  • Gold Coast Federal Credit Union
  • 2226 S Congress Ave, West Palm Beach, FL, 33406
  • Gold Coast FCU was formed on January 11, 1936, as the Palm Beach County Teachers Federal Credit Union. The new credit union was located at Twin Lakes High School in West Palm Beach and volunteers ran the credit union on a part-time basis. The only services offered were payroll-deducted savings accounts and small loans.
  • Buena Vista Lending Group LLC
  • 2537 Forest Hill Bouelvard West, West Palm Beach, FL, 33406
  • We are committed to earning your trust and loyalty by providing you with the highest quality home loans at the best possible terms. Our team of mortgage professionals has built a reputation of uncompromising integrity and unwavering commitment to doing what is best for our customers.
  • Hamilton Mortgage Services Inc
  • 11776 W. Sample Road, Suite 104, Coral Springs, FL, 33065
  • The Hamilton Mortgage Services Inc. Team is a premiere mortgage company located in Pembroke Pines, Florida. We pride ourselves on offering some of the lowest rates available without sacrificing excellent customer service. Our goal is to ensure that you are choosing a loan that fits both your present and future needs.
  • Prestige Home Loans LLC
  • 2900 N University Drive, Coral Springs, FL, 33065
  • 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. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
  • The Loan Center Inc
  • 3111 N University Drive, Suite 613, Coral Springs, FL, 33065
  • Listing, Selling and renting South Florida Real Estate for over 15 years. Real estate listing, homes for sale, homes for rent, apartments for rent, foreclosure for sale, foreclosure list, Parkland homes, Coral springs homes, Pembroke homes, Parkland real estate, Short sale, HUD homes, Mortgages, FHA loans,
  • RESIDENTIAL SAVINGS MORTGAGE
  • 2801 N. University Dr 204, Coral Springs, FL, 33065
  • Residential Savings Mortgage, Inc., a Licensed Mortgage Brokerage Business, is committed to providing you with the very best mortgage solutions for your current financial situation. Our Management Team has over 70 years of experience in the mortgage industry and are always available in the office during regular business hours.
  • Supreme Lending
  • 10101 W. Sample Road, Suite 305, Coral Springs, FL, 33065
  • Supreme Lending, one of the most respected Mortgage Bankers, was established in 1999 by Scott Everett. Having an extensive business and mortgage background, Mr. Everett has secured the respect of mortgage professionals and is committed to attracting not only the most professional loan officers but also the most cutting edge loan products
  • ACE MORTGAGE LOAN CORPORATION
  • 10181 W. Sample Road, Coral Springs, FL, 33065
  • Ace Mortgage Loan Corporation was created in 1996 to help people achieve their American Dream. Long before “bubbles”or “collapses”, Ace Mortgage Loan Corporation was representing client’s interests in navigating the mortgage market with knowledgeable friendly staff and a leading research and compliance team.