Southern California
Los Angeles County Mortgage Lender
Save Financial, Inc. is a California-licensed mortgage brokerage serving all of Los Angeles County, including Los Angeles, Long Beach, Glendale, and Santa Clarita. The 2026 conforming loan limit in Los Angeles County is $1,209,750, the FHA limit is $1,209,750, and the current median home price is $885,000. With a population of 9.7 million concentrated in Los Angeles and surrounding cities, Los Angeles County offers everything from conventional, FHA, VA, and USDA loans to jumbo, DSCR, HELOC, and cash-out refinance options. Save Financial closes loans in Los Angeles County in an efficiently from.
About Los Angeles County
Los Angeles County is located in California's Southern California region. The county seat is Los Angeles, and the population is approximately 9.7 million. Most populous county in the United States. High-cost area for conforming and FHA loan limits. Massive variety from $400k Lancaster homes to $20M Beverly Hills estates.
Save Financial originates mortgages for buyers and homeowners across every community in Los Angeles County. We are licensed by the California Department of Real Estate (DRE #01875766), and registered with NMLS (#377740). We close Los Angeles County loans efficiently when documentation is complete.
Cities and communities we serve in Los Angeles County
…and every other community throughout Los Angeles County.
Recommended for Los Angeles County
Loan programs that fit this market
Conventional loans
Many Los Angeles County homes fit within the $1,209,750 conforming limit with 5-20% down.
Learn more →Jumbo loans
Properties above $1,209,750 use jumbo financing — Save Financial typically shops wholesale rates for you
Learn more →Cash-out refinance
Pull tax-free equity from appreciated property values.
Learn more →Los Angeles County loan limits and financing facts
| 2026 conforming loan limit (1-unit) | $1,209,750 |
|---|---|
| 2026 FHA loan limit (1-unit) | $1,209,750 |
| Median home price | $885,000 |
| Population | 9.7 million |
| County seat | Los Angeles |
| Region | Southern California |
| Statewide service | All 58 counties |
| Loans funded statewide | rated 4.9 stars across California families |
Real-world examples
Two example mortgage scenarios in Los Angeles County
Here's what real Save Financial transactions look like in Los Angeles County at today's rates. Numbers are illustrative; your actual quote depends on credit, income, and property specifics.
Scenario 1: First-time buyer in Los Angeles County
Buyer profile: A single buyer earning $135,000/year purchasing a $885,000 home in Los Angeles
- Purchase price: $885,000 (median for Los Angeles County)
- Down payment: 10% = $88,500 (using savings + family gift)
- Loan amount: $796,500 (conventional, conforming)
- Interest rate: 6.45% APR (30-year fixed)
- Principal & interest: $5,009/month
- Property tax: $811/month
- Insurance: $150/month
- PMI (drops at 78% LTV in ~7 years): $365/month
- Total monthly payment: ~$6,335
- DTI: 56% of $135K/year — qualifies comfortably under conforming guidelines
Outcome: Save Financial layers a CalHFA MyHome second mortgage to cover most of the down payment, reducing the buyer's cash to close from $110,625 to roughly $22,125 in closing costs only.
Scenario 2: VA $0-down purchase for an active-duty service member in Los Angeles County
Buyer profile: An active-duty Navy E-7 with full VA entitlement purchasing in Los Angeles
- Purchase price: $885,000
- Down payment: $0 (full VA entitlement)
- Loan amount: $885,000 (VA, no county loan limit on full entitlement)
- Interest rate: 6.15% APR (30-year fixed VA)
- Principal & interest: $5,380/month
- Property tax: $811/month
- Insurance: $140/month
- PMI: $0 (VA never has PMI)
- VA funding fee: 2.15% of loan = $19,027 (can be financed into loan)
- Total monthly payment: ~$6,331
Outcome: Save Financial closes the VA loan efficiently. Active-duty BAH counts as residual income. Service member pays $0 down and is exempt from the funding fee if VA-rated disabled.
Frequently asked questions about Los Angeles County mortgages
What is the conforming loan limit in Los Angeles County for 2026?
The 2026 conforming loan limit in Los Angeles County is $1,209,750 for a one-unit property. Loans above this amount are jumbo loans. Save Financial originates both conforming and jumbo loans throughout Los Angeles County, with average jumbo rates wholesale pricing that may differ from retail bank pricing quotes.
What is the FHA loan limit in Los Angeles County?
The 2026 FHA loan limit in Los Angeles County is $1,209,750 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 Los Angeles County first-time buyers.
What is the median home price in Los Angeles County?
The current median home price in Los Angeles County is approximately $885,000. Save Financial pre-approves buyers across the full price range, from entry-level homes to luxury properties in Los Angeles, Long Beach, Glendale, Santa Clarita, Lancaster.
Does Save Financial serve all of Los Angeles County?
Yes. Save Financial is licensed in all 58 California counties including Los Angeles County. We originate loans for buyers and homeowners in every city in the county including Los Angeles, Long Beach, Glendale, Santa Clarita, Lancaster. We close loans efficiently when documentation is complete.
How long does it take to close a mortgage in Los Angeles County?
Save Financial closes Los Angeles 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 Los Angeles County?
USDA Rural Development financing is available in eligible rural areas of Los Angeles County. Save Financial can check USDA eligibility for any specific Los Angeles County property address in 60 seconds.