Gold Country · Sierra Foothills
Calaveras County Mortgage Lender
Save Financial, Inc. is a California-licensed mortgage brokerage serving all of Calaveras County, including Angels Camp, the county seat of San Andreas, Valley Springs, Arnold, and Murphys. The 2026 conforming loan limit in Calaveras County is $832,750, the FHA limit is $541,287, and the current median home price is about $455,000. With roughly 46,000 residents spread across the Sierra foothills, Calaveras buyers rely on everything from conventional, FHA, VA, and USDA loans to jumbo, DSCR, HELOC, and cash-out refinance options. Save Financial closes loans in Calaveras County efficiently once documentation is complete.
About Calaveras County
Calaveras County sits in the central Sierra Nevada foothills of Gold Country, running from the oak-studded lowlands around Valley Springs up into the pines at Arnold and Bear Valley along Highway 4. The county seat is San Andreas, an unincorporated town, while Angels Camp — famous for Mark Twain's jumping-frog story and the annual Calaveras County Fair — is the county's only incorporated city. Murphys, with its wineries and historic Main Street, has become one of the region's best-known destinations, and communities like Copperopolis, Mokelumne Hill, and Mountain Ranch round out the map. The economy leans on tourism, wine, timber, retirees, and a growing base of remote workers and Bay Area commuters drawn by relative affordability and open space.
Save Financial originates mortgages for buyers and homeowners across every community in Calaveras County. We are licensed by the California Department of Real Estate (DRE #01875766), and registered with NMLS (#377740). We close Calaveras County loans efficiently when documentation is complete, from lakeside homes near New Melones to cabins up the Ebbetts Pass corridor.
Cities and communities we serve in Calaveras County
…and every other community throughout Calaveras County.
Recommended for Calaveras County
Loan programs that fit this market
USDA loans
Most of Calaveras outside the Angels Camp core is USDA Rural Development eligible — $0 down for qualifying buyers.
Learn more →FHA loans
3.5% down with credit scores from 580 — a common path for first-time buyers in Valley Springs and San Andreas.
Learn more →Second-home & investor
Cabins near Arnold and Murphys often serve as second homes or short-term rentals; second-home and DSCR loans fit.
Learn more →Calaveras County loan limits and financing facts
| 2026 conforming loan limit (1-unit) | $832,750 |
|---|---|
| 2026 FHA loan limit (1-unit) | $541,287 |
| Median home price | $455,000 |
| Population | 46,248 |
| County seat | San Andreas (unincorporated) |
| Region | Gold Country / Sierra Foothills |
| Statewide service | All 58 counties |
| Loans funded statewide | rated 4.9 stars across California families |
Real-world examples
Two example mortgage scenarios in Calaveras County
Here's what real Save Financial transactions look like in Calaveras County at today's rates. Numbers are illustrative and built off the county's median; your actual quote depends on credit, income, and property specifics.
Scenario 1: FHA first-time buyer in Angels Camp
Buyer profile: A first-time buyer earning $90,000/year purchasing a $450,000 home in Angels Camp
- Purchase price: $450,000 (near the median for Calaveras County)
- Down payment: 3.5% FHA minimum = $15,750
- Loan amount: $434,250 (FHA, under the $541,287 county limit)
- Interest rate: 6.20% APR (30-year fixed FHA)
- Principal & interest: $2,660/month
- Property tax: $412/month
- Insurance: $135/month (higher in wildfire-rated foothill zones)
- FHA MIP: $199/month (life-of-loan with <10% down)
- Total monthly payment: ~$3,406
- DTI: ~45% of $90K/year — qualifies under FHA's flexible DTI guidelines
Outcome: Save Financial layers CalHFA MyHome assistance and checks USDA eligibility for the address. We're upfront that foothill fire-zone insurance is the biggest variable in the payment.
Scenario 2: USDA $0-down purchase near Valley Springs
Buyer profile: A couple earning a combined $98,000/year buying outside Valley Springs
- Purchase price: $455,000
- Down payment: $0 (USDA Rural Development eligible area)
- Loan amount: $455,000 (USDA guaranteed)
- Interest rate: 6.30% APR (30-year fixed)
- Principal & interest: $2,816/month
- Property tax: $417/month
- Insurance: $125/month
- Total monthly payment: ~$3,358
- Out-of-pocket at closing: ~$11,375 (closing costs only, often offset by seller credit)
Outcome: Save Financial verifies USDA eligibility on the specific address in 60 seconds and confirms the household falls under the program's income limit. The buyers close with little cash to close after negotiating a seller credit.
Frequently asked questions about Calaveras County mortgages
What is the conforming loan limit in Calaveras County for 2026?
The 2026 conforming loan limit in Calaveras County is $832,750 for a one-unit property. Loans above this amount are jumbo loans. With a county median around $455,000, most Calaveras purchases are conforming loans, though Save Financial also originates jumbo financing for larger properties near Murphys and Arnold.
What is the FHA loan limit in Calaveras County?
The 2026 FHA loan limit in Calaveras County is $541,287 for a one-unit property, the standard California floor. FHA loans require just 3.5% down with credit scores from 580 and are a leading choice for first-time buyers in Angels Camp, Valley Springs, and San Andreas.
What is the median home price in Calaveras County?
The current median home price in Calaveras County is approximately $455,000. Save Financial pre-approves buyers across the full range, from affordable homes in Valley Springs and San Andreas to higher-priced cabins and vineyard properties around Murphys and Arnold.
Does Save Financial serve all of Calaveras County?
Yes. Save Financial is licensed in all 58 California counties including Calaveras County. Angels Camp is the county's only incorporated city, so we also originate loans across unincorporated communities including the county seat of San Andreas, Valley Springs, Arnold, and Murphys. We close loans efficiently when documentation is complete.
How long does it take to close a mortgage in Calaveras County?
Save Financial closes Calaveras County mortgages efficiently once documentation is complete — meaningfully faster than the national average. We've closed many California loans, with 400+ verified reviews across Google, Yelp, and Zillow.
Can I qualify for a USDA loan in Calaveras County?
Yes — most of Calaveras County outside the Angels Camp core is eligible for USDA Rural Development $0-down financing, subject to household income limits. Save Financial can check USDA eligibility for any specific Calaveras County property address in 60 seconds.