Imperial Valley
Imperial County Mortgage Lender
Save Financial, Inc. is a California-licensed mortgage brokerage serving all of Imperial County, including El Centro, Calexico, Brawley, and Imperial. The 2026 conforming loan limit in Imperial County is $806,500, the FHA limit is $498,257, and the current median home price is $315,000. With a population of 180,000 concentrated in El Centro and surrounding cities, Imperial County offers everything from conventional, FHA, VA, and USDA loans to jumbo, DSCR, HELOC, and cash-out refinance options. Save Financial closes loans in Imperial County in an efficiently from.
About Imperial County
Imperial County is located in California's Imperial Valley region. The county seat is El Centro, and the population is approximately 180,000. California's most affordable county by median price. Border region with strong ITIN loan demand.
Save Financial originates mortgages for buyers and homeowners across every community in Imperial County. We are licensed by the California Department of Real Estate (DRE #01875766), and registered with NMLS (#377740). We close Imperial County loans efficiently when documentation is complete.
Cities and communities we serve in Imperial County
…and every other community throughout Imperial County.
Recommended for Imperial County
Loan programs that fit this market
Imperial County loan limits and financing facts
| 2026 conforming loan limit (1-unit) | $806,500 |
|---|---|
| 2026 FHA loan limit (1-unit) | $498,257 |
| Median home price | $315,000 |
| Population | 180,000 |
| County seat | El Centro |
| Region | Imperial Valley |
| Statewide service | All 58 counties |
| Loans funded statewide | rated 4.9 stars across California families |
Real-world examples
Two example mortgage scenarios in Imperial County
Here's what real Save Financial transactions look like in Imperial County at today's rates. Numbers are illustrative; your actual quote depends on credit, income, and property specifics.
Scenario 1: FHA first-time buyer in Imperial County
Buyer profile: A first-time buyer earning $75,000/year purchasing a $315,000 home in El Centro
- Purchase price: $315,000 (median for Imperial County)
- Down payment: 3.5% FHA minimum = $11,025
- Loan amount: $303,975 (FHA, under $498,257 county limit)
- Interest rate: 6.20% APR (30-year fixed FHA)
- Principal & interest: $1,860/month
- Property tax: $288/month
- Insurance: $130/month
- FHA MIP: $139/month (life-of-loan with <10% down)
- Total monthly payment: ~$2,417
- DTI: 38% of $75K/year — qualifies under FHA's 50% DTI cap
Outcome: Save Financial layers CalHFA MyHome assistance and stacks USDA eligibility checks (if outside city core). Buyer closes with as little as $3,150 out of pocket after seller credits and assistance programs.
Scenario 2: Cash-out refinance for a Imperial County homeowner
Buyer profile: A homeowner who bought in El Centro 7 years ago wanting to consolidate high-interest debt
- Current home value: $315,000
- Existing first mortgage: $280,000 at 4.50%
- New cash-out refinance loan: $252,000 (80% LTV maximum)
- Cash to borrower at closing: ~$78,750 (used to pay off $35K of credit cards at 22% APR and $18K auto loan)
- New rate: 6.65% APR (30-year fixed)
- New monthly payment: ~$1,615/month (P&I)
- Net monthly savings: ~$680/month after paying off the high-interest debt
Outcome: Save Financial closes this scenario efficiently. The borrower trades 22% credit-card debt for 6.65% tax-deductible mortgage debt.
Frequently asked questions about Imperial County mortgages
What is the conforming loan limit in Imperial County for 2026?
The 2026 conforming loan limit in Imperial County is $806,500 for a one-unit property. Loans above this amount are jumbo loans. Save Financial originates both conforming and jumbo loans throughout Imperial County, with average jumbo rates wholesale pricing that may differ from retail bank pricing quotes.
What is the FHA loan limit in Imperial County?
The 2026 FHA loan limit in Imperial County is $498,257 for a one-unit property. FHA loans require just 3.5% down with credit scores from 580. They are the most popular financing option for Imperial County first-time buyers.
What is the median home price in Imperial County?
The current median home price in Imperial County is approximately $315,000. Save Financial pre-approves buyers across the full price range, from entry-level homes to luxury properties in El Centro, Calexico, Brawley, Imperial.
Does Save Financial serve all of Imperial County?
Yes. Save Financial is licensed in all 58 California counties including Imperial County. We originate loans for buyers and homeowners in every city in the county including El Centro, Calexico, Brawley, Imperial. We close loans efficiently when documentation is complete.
How long does it take to close a mortgage in Imperial County?
Save Financial closes Imperial County mortgages efficiently when documentation is complete, compared to a national efficiently from. We've closed over many California loans with a 4.9/5 rating across 63 verified Yelp reviews (Newport Beach office).
Can I qualify for a USDA loan in Imperial County?
USDA Rural Development financing is available in eligible rural areas of Imperial County. Save Financial can check USDA eligibility for any specific Imperial County property address in 60 seconds.