FHA VS Conventional loan programs in Santa-Monica, Los Angeles County, California

During 2026, the conventional loan limit for a single-family home in Santa-Monica, situated in the county of Los Angeles, CA, is $970,800, while the FHA limit is $970,800.

Explore the Lendersa® Conventional loan calculator to examine the most favorable rates today for Conventional versus FHA and USDA loans. This tool also outlines the required income, credit, reserves, and documents for qualification. Our advanced mortgage calculator displays Conforming Conventional loans, USDA, FHA, and VA loans side by side, providing insights into which program in CA is optimal for your specific financial requirements.

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Loan limits and down payment requirements for 2026 in Santa-Monica, Los Angeles county, CA

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

Table applies to zip codes: 90401

Discover Conventional and FHA loan pathways in Santa-Monica, CA

The aim of Lendersa® is to help you obtain the best possible loan, whether it's Conventional, USDA, or FHA, quickly and smoothly. Begin by choosing one of three starting paths that connect you with suitable lenders and loan offerings.

Lendersa USDA loan request and matching results


Santa-Monica Lenders

  • F2YES
  • 233 Wilshire Blvd Suite 515, Santa Monica, CA, 90401
  • Lends in California
  • F2 Finance offers fast and flexible financing for property investors, with loans ranging from $200k to $2m. They provide terms from 1 to 24 months without prepayment penalties and can fund deals quickly, often within 36 hours. The company lends against various property types, including residential and commercial. As a balance sheet lender, F2 Finan

  • Prime Group
  • 401 Wilshire Blvd., 12th Floor, Santa Monica, CA, 90401
  • Lends in California
  • Our mission is to set a high standard in the loan industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the loan process, so that you can confidently select the best loan for you and your company from the many loan options that are available today.

  • Target Rate
  • 710 Santa Monica Blvd, Santa Monica, CA, 90401
  • Lends in California
  • Target Rate is the culmination of 25 plus years in the mortgage industry. I have helped thousands of clients, trained other loan agents, real estate agents and processors. I have managed branches, overseen operations, underwriting, sales and most importantly held clients hands as they navigate through the most important financial transaction

  • American Mortgage Capital
  • 401 Wilshire Blvd., 12th Floor, Santa Monica, CA, 90401
  • Lends in California
  • 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.

  • Evoque Lending
  • 401 Wilshire Blvd., 12th Floor, Santa Monica, CA, 90401
  • Lends in California
  • Evoque Lending has the in-house expertise and systems in place to approve borrowers for California hard money loans within 24 hours and follow that up with funding in seven to 10 days. Through more than 23 years in the industry and its focus on customer service, Evoque Lending has established itself as the leading hard money lender in Los Angeles,

  • Evoque Lending
  • 401 Wilshire Blvd., 12th Floor, Santa Monica, CA, 90401
  • Lends in California
  • Evoque Lending Experienced in residential, commercial and business loans – including California hard money loans – the professionals at Evoque Lending know what it takes to get your loan done faster, more efficiently and with more cooperation from your local business community. Realtors, appraisers, escrow, loan processing, title and closing.

  • Surest Capital Company
  • 1223 Wilshire Blvd #980, Santa Monica, CA, 90403
  • Lends in California
  • Surest Capital Company: Strategic Financing for Investors and Entrepreneurs

    Led by Brian Nichols, Surest Capital Company specializes in commercial and non-QM mortgage advisories, arranging $1M–$25M loans for multifamily and mixed-use properties. Reach out at brian@surestcapital.com or call 213-867-4223. We connect you to banks, credit unions, an

  • Wela Financing
  • 843 4th street, Santa Monica, CA, 90403
  • Lends in California
  • Founded by Olga Elmanovich, a highly experienced private lender, Olga is a trusted name in the field of hard money lending. With over 20 years of expertise in the industry, she has been providing flexible and reliable financial solutions to individuals and businesses in need.

  • Lennox Lending
  • 926 2nd Street, Santa Monica, CA, 90403
  • Lends in California
  • Lennox Lending specializes on working with experienced investors on fix-and-flip projects, ground-up construction and a variety of single family and multi-family rental loans. Expert service and competitive rates – start your application now!

    We believe in developing a deep, transparent relationship with our clients. With our experience, we deli

  • Z Home Loans
  • 1223 Wilshire Blvd, Suite 405, Santa Monica, CA, 90403
  • Lends in California
  • 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.