Central Valley
Kings County Mortgage Lender
Save Financial, Inc. is a California-licensed mortgage brokerage serving all of Kings County, including Hanford, Lemoore, Corcoran, and Avenal. The 2026 conforming loan limit in Kings County is $832,750, the FHA limit is $541,287, and the current median home price is roughly $383,000 — among the most affordable in the San Joaquin Valley. With about 153,000 residents anchored by Hanford and the Naval Air Station at Lemoore, Kings County supports strong demand for conventional, FHA, VA, and USDA loans, plus jumbo, DSCR, HELOC, and cash-out refinances. Save Financial closes loans in Kings County efficiently once documentation is complete.
About Kings County
Kings County sits in the heart of the central San Joaquin Valley, southwest of Fresno and just off Highway 198 and State Route 99. Hanford is the county seat and its cultural center, known for a lovingly preserved downtown, the historic Hanford Civic Auditorium, and the old China Alley Chinatown district. Lemoore, to the west, is defined by Naval Air Station Lemoore — home to the Navy's West Coast strike-fighter wings and one of the county's largest employers — while Corcoran and Avenal are shaped by cotton, tomatoes, dairy, and the state prisons that anchor their local economies. Agriculture runs through everything here: Kings County consistently ranks among California's top producers of cotton, milk, and processing tomatoes.
With home prices well below the statewide median, Kings County offers genuine affordability to first-time buyers, military families, and farm-community households alike. Save Financial originates mortgages for buyers and homeowners across every city and rural stretch of the county. We are licensed by the California Department of Real Estate (DRE #01875766) and registered with NMLS (#377740), and we close Kings County loans efficiently when documentation is complete.
Cities and communities we serve in Kings County
…and every other community throughout Kings County.
Recommended for Kings County
Loan programs that fit this market
VA loans
Naval Air Station Lemoore makes VA loans a mainstay here — $0 down and no monthly mortgage insurance.
Learn more →FHA loans
3.5% down with credit scores from 580 — the most popular option for Kings County first-time buyers.
Learn more →USDA loans
Farm communities around Corcoran and Avenal are USDA eligible for $0-down financing.
Learn more →Kings 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 | $383,000 |
| Population | 153,000 |
| County seat | Hanford |
| Region | Central Valley (San Joaquin) |
| Statewide service | All 58 counties |
| Loans funded statewide | rated 4.9 stars across California families |
Real-world examples
Two example mortgage scenarios in Kings County
Here's what real Save Financial transactions look like in Kings 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 Hanford
Buyer profile: A first-time buyer earning $76,000/year purchasing a $383,000 home in Hanford
- Purchase price: $383,000 (median for Kings County)
- Down payment: 3.5% FHA minimum = $13,405
- Loan amount: $369,595 (FHA, under the $541,287 county limit)
- Interest rate: 6.20% APR (30-year fixed FHA)
- Principal & interest: $2,263/month
- Property tax: $351/month
- Insurance: $130/month
- FHA MIP: $169/month (life-of-loan with <10% down)
- Total monthly payment: ~$2,913
- DTI: 46% of $76K/year — qualifies under FHA's 50% DTI cap
Outcome: Save Financial layers CalHFA MyHome assistance and negotiates seller credits, so the buyer closes on a Hanford home with only a few thousand dollars out of pocket.
Scenario 2: VA $0-down purchase near Lemoore
Buyer profile: An active-duty Navy sailor stationed at NAS Lemoore earning $85,000/year (base pay plus allowances) buying in Lemoore
- Purchase price: $383,000
- Down payment: $0 (full VA entitlement)
- Loan amount: $383,000 (VA guaranteed, no monthly mortgage insurance)
- Interest rate: 6.10% APR (30-year fixed VA)
- Principal & interest: $2,321/month
- Property tax: $351/month
- Insurance: $125/month
- Total monthly payment: ~$2,797
- Out-of-pocket at closing: ~$4,500 (closing costs; VA funding fee often financed, and frequently covered by seller credit)
Outcome: Save Financial structures the VA loan with the funding fee rolled in and negotiates a seller credit, so the sailor closes near Lemoore with minimal cash and no down payment.
Frequently asked questions about Kings County mortgages
What is the conforming loan limit in Kings County for 2026?
The 2026 conforming loan limit in Kings County is $832,750 for a one-unit property. Loans above this amount are jumbo loans. Save Financial originates both conforming and jumbo loans throughout Kings County, including Hanford, Lemoore, and Corcoran, with wholesale pricing that may differ from retail bank quotes.
What is the FHA loan limit in Kings County?
The 2026 FHA loan limit in Kings County is $541,287 for a one-unit property. FHA loans require just 3.5% down with credit scores from 580, and with the county's affordable median the limit covers nearly every home in Hanford and Lemoore. They are the most popular option for Kings County first-time buyers.
What is the median home price in Kings County?
The current median home price in Kings County is approximately $383,000 — among the most affordable in the San Joaquin Valley. Save Financial pre-approves buyers across the full price range, from starter homes in Hanford and Corcoran to newer subdivisions near Lemoore.
Does Save Financial serve all of Kings County?
Yes. Save Financial is licensed in all 58 California counties including Kings County. We originate loans for buyers and homeowners in Hanford, Lemoore, Corcoran, Avenal, and the surrounding farm communities. We close loans efficiently when documentation is complete.
Are VA loans popular near Lemoore in Kings County?
Yes. Naval Air Station Lemoore is one of the largest employers in Kings County, so VA loans are heavily used by active-duty sailors and veterans in and around Lemoore and Hanford. VA financing offers $0 down with no monthly mortgage insurance, and Save Financial originates VA purchase and refinance loans countywide.
Can I qualify for a USDA loan in Kings County?
Yes — much of Kings County outside the Hanford and Lemoore city cores is eligible for USDA Rural Development $0-down financing, including the farm communities around Corcoran and Avenal. Save Financial can check USDA eligibility for any specific Kings County property address in 60 seconds.