Explore the differences! FHA VS Conventional loan programs in Santa-Maria, Santa Barbara County, California
In 2025, the loan limit for Conventional loans in Santa-Maria, in the county of Santa Barbara, CA, is $783,150. The FHA loan cap is $783,150 for a single-family dwelling.
Utilize the Lendersa® Conventional loan calculator to weigh the best current rates among Conventional, FHA, and USDA. Determine necessary income, credit, reserves, and documentation needed to qualify. With our advanced mortgage calculator, review side-by-side analyses of Conforming Conventional, USDA, FHA, and VA loans to decide which program in CA suits your financial needs best.
2025 loan limits and down payment requirements for Santa-Maria, in the county of Santa Barbara, CA
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$783,150
3%
USDA
$528,000
0%
FHA
$783,150
3.5%
This comparison table applies to these zip codes: 93454, 93455, 93458
Conventional and FHA loan options in Santa-Maria, CA
The aim of Lendersa® is to swiftly connect you with an optimal Conventional, USDA, or FHA loan without hassle. Select one of three starting points that lead to matching lenders and loan solutions.
Founder of Synergy Financial Group Inc. Sheila is dedicated to ensuring her clients and business partners are well informed and aware of the details behind the crucial financial decisions they make on a regular basis. She works hard to serve her community and to make dreams come true!
4199 Flat Rock Road, Suite 116, Riverside, CA, 92505
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.
Certys Financial Inc (NMLS #1096493) is a mortgage company serving the states of California, Texas, and Pennsylvania. We use the latest technology such as electronic signing (E-Sign) and paperless processing to ensure minimum effort on your part and speedy processing on ours. Our regard for your financial well being won't allow us
4181 Flat Rock Drive, Suite 250, Riverside, CA, 92505
Since 1989 Campbell Financial Services has continued with one purpose in mind: To meet the needs of our clientele by providing a full array of lending options in an efficient, straight-forward manner. We know you’re busy and that your time is important, and we’re committed to being your lending expert!
Inland Capital Finance is a Southern California based Wholesale Mortgage Brokerage. At ICF we understand that you are an individual and that every individual is different. Over the years we have had many different clients with varying situations from those with excellent credit scores to those rebuilding their credit scores.
23861 El Toro Road Suite 700, Lake Forest, CA, 92630
We are a community lender and a Benefit “B” Corporation that addresses unmet credit needs throughout the U.S. and in Indian Country through direct lending, equity investments, and financial assistance.
Borrowers, Need a Loan?
Learn about our loan programs and others like you who are driving positive change in their communities.
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25531 Commercentre, Suite 250, Lake Forest, CA, 92630
We are meMortgage; your new, woman ran, wholesale mortgage partner. We look forward to serving all your needs for many years to come.
Let me Help You
To foster a simplified, intuitive lending experience so that, together, we can deliver customer-centric solutions to help clients realize their dreams
Equity123 Lending uses a combination of technology and personalized service to make the experience of getting a loan simple and hassle free. We find the right loan product that will fit your personal and financial goals.
Our mission is to serve our customers with honesty, integrity and competence.
25531 Commercentre Drive, Suite 160, Lake Forest, CA, 92630
Acra Lending, was formed with a focus on providing the industry’s leading tailor-made Non-QM mortgage products. We partner with industry leaders and mortgage professionals, focusing on delivering programs that center around borrower and industry needs. Helping mortgage professionals achieve their clients’ purchase and investment goals.
25422 Trabuco Road, Suite 105-627, Lake Forest, CA, 92630
Welcome to Cinq Mortgage. We are a full-service mortgage company based in Lake Forest, CA. We specialize in Home Purchase Loans and Refinance in Orange County, Riverside County, San Diego County, and Los Angeles County. Whether you are buying a home or refinancing we can help you realize your dream of homeownership
