Serving California
California Mortgage & Refinance Lender
USA Mortgage Solutions, a DBA of Equity Smart Home Loans (NMLS #856170), helps Californians buy and refinance homes across the state — in English and Spanish. Pick your area below for local loan limits and programs, or get pre-approved in about 10 minutes.
Find your California market
Los AngelesLos Angeles County2026 limit up to $1,249,125Orange CountyOrange County2026 limit up to $1,249,125San DiegoSan Diego County2026 limit up to $1,104,000San FranciscoSan Francisco County2026 limit up to $1,249,125San JoseSanta Clara County2026 limit up to $1,249,125SacramentoSacramento County2026 limit up to $832,750Riverside & the Inland EmpireRiverside County2026 limit up to $832,750FresnoFresno County2026 limit up to $832,750Oakland & the East BayAlameda County2026 limit up to $1,249,125Ventura CountyVentura County2026 limit up to $1,035,000BakersfieldKern County2026 limit up to $832,750StocktonSan Joaquin County2026 limit up to $832,750ModestoStanislaus County2026 limit up to $832,750Santa Rosa & Sonoma CountySonoma County2026 limit up to $897,000Santa BarbaraSanta Barbara County2026 limit up to $941,850Monterey & SalinasMonterey County2026 limit up to $994,750San Mateo & the PeninsulaSan Mateo County2026 limit up to $1,249,125Marin CountyMarin County2026 limit up to $1,249,125Santa Cruz CountySanta Cruz County2026 limit up to $1,249,125Napa CountyNapa County2026 limit up to $1,017,750San Luis Obispo CountySan Luis Obispo County2026 limit up to $1,000,500Roseville & Placer CountyPlacer County2026 limit up to $832,750
Why homebuyers across California choose us
- Get pre-approved online in about 10 minutes
- Purchase, refinance, FHA, VA, jumbo and first-time-buyer programs
- Bilingual loan officers — full service in English and Spanish
- Local expertise in California's high-cost and baseline markets
California mortgage FAQ
- What states are you licensed in?
- USA Mortgage Solutions is a DBA of Equity Smart Home Loans, NMLS #856170, and serves borrowers throughout California.
- What is the 2026 conforming loan limit in California?
- It depends on the county. California's 2026 baseline conforming limit is $832,750, and high-cost counties such as Los Angeles, Orange, San Francisco and Santa Clara go up to $1,249,125.
- Do you offer service in Spanish?
- Yes. Our team works with borrowers in both English and Spanish, and the entire site — applications included — is available in Spanish.
Loan limits shown are the official 2026 FHFA (conforming) and HUD (FHA) one-unit limits and are provided for information only; they are not an offer to lend or a commitment. All loans subject to credit approval.