FHA VS Conventional loan in San-Mateo, San Mateo County, California

In 2025, Convetional loan limit in San-Mateo, county of San Mateo, 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 San-Mateo, county of San Mateo, 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: 94404, 94401, 94402, 94403, 94497

Conventional and FHA loan options in San-Mateo, 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


  • Mortgage Cafe NW
  • 9295 SW Electric St, Suite B, Tigard, OR, 97223
  • Mortgage Cafe NW was established to provide a better and more honest option. We believe you deserve lower mortgage rates, more loan options, lower costs, and someone who truly cares about your experience and success as a homeowner! We specialize in working with First Time Home Buyers and receive tremendous gratification when we assist our clients
  • Mortgage Express, LLC
  • 10260 SW Greenburg Road, Suite 830, Portland, OR, 97223
  • Mortgage Express has been an industry leader in residential lending since our doors opened in 1999. From a single office located just outside of Portland, OR, Mortgage Express has grown to 8 offices throughout Oregon and Washington by developing lasting relationships with our valued clients and referral partners.
  • Fidelity Mortgage Solutions LLC
  • 10211 SW Barbur Blvd, Suite 101A, Portland, OR, 97219
  • Our goal from the very first time you choose FMS is to make the process of financing your home as fast and easy as possible. We strive to make the process as easy to understand and convenient for you whether you are a first-time buyer or the most savvy real estate investor. We are an Oregon based company, licensed in Oregon and Washington states.
  • Alterna Mortgage Company
  • 10211 SW Barbur Blvd, Suite 107A, Portland, OR, 97219
  • Alterna Mortage has more programs than any bank. Better personal service than any large corporation. Lower fees and better rates too. Alterna Mortgage has programs that fit borrowers with perfect credit and borrowers that have had recent credit events. Being a broker we have mortgage loans that fit everyone.
  • Columbia Home Mortgage
  • 7845 SW Capitol Highway, Suite 5D, Portland, OR, 97219
  • Columbia Home Mortgage providing clients with the highest quality mortgage services, excellent rates, and the best customer service available in your area. He will work with you one on one to ensure that you get a clear mortgage solution tailored specifically to meet your financing needs. Whether you are purchasing your dream home.
  • CASHCO Financial Services, Inc
  • 922 SE Oak St, Hillsboro, OR, 97123
  • CashCo opened with money borrowed from credit cards and family in a double wide trailer with no running water on January 2, 1989. We thought we had a really cool idea for our business but found out getting it off the ground was not as easy as we imagined. We made some costly, near-fatal mistakes as we figured things out.
  • Baseline Mortgage LLC
  • 1049 Southwest Baseline Street, Suite A120, Hillsboro, OR, 97123
  • Art Chavez a Mortgage Broker with Baseline Mortgage LLC, offering personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. Mortgage Broker serving Oregon exclusively. Art Chavez Owner at Baseline Mortgage, LLC. Baseline Mortgage, LLC Established in 2004.
  • Options Financial Residential Mortgage NMLS 829593
  • 8625 SW Cascade Ave, Suite 270, Beaverton, OR, 97008
  • Our mission is to empower you to make successful mortgage decisions. We’re committed to always thinking long-term. At Options Financial Residential Mortgage, we want to help you purchase your first home… your second home, and your third. We want to show you that a mortgage loan can be more than just a business transaction.
  • Goldendale Capital
  • 8196 South West Hall Blvd, Suite 110, Beaverton, OR, 97008
  • Commercial finance is one of the very best tools that nearly all small business owners have access to. Many do not realize that they can be approved, but there is an option for any situation. Goldendale Capital is committed to helping you get the working capital you need. Whether you are hoping to undertake an exciting new project,
  • Stonebridge Mortgage Group Inc.
  • 3384 SW Miller Dr, Gresham, OR, 97080
  • Stonebridge Mortgage Group can help you with your Reverse Mortgage or Real Estate Loan. When you’re in need of a Mortgage Broker or Loan Officer Stonebridge Mortgage Group has you covered. David H Steinbrugge, Independent Mortgage Broker, and I’m here to help you navigate the decision process.
  • Oregons Best Mortgage
  • 3054 SE Glacier Ave, Gresham, OR, 97080
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan