California
Modesto Mortgage & Refinance Lender
Modesto and Stanislaus County offer classic Central Valley affordability, and with the 2026 conforming baseline at $832,750, nearly every local purchase fits within conventional financing. We help first-time and repeat buyers across Modesto, Turlock and Ceres get pre-approved and into the right loan.
2026 loan limits · Stanislaus County
$832,750
Conforming (1-unit)
$545,100
FHA (1-unit)
Loan amounts above $832,750 are financed as jumbo loans, which we also offer.
Programs available here
Areas we serve
Modesto · Turlock · Ceres · Riverbank · Oakdale
Frequently asked questions
- What is the 2026 conforming loan limit in Stanislaus County?
- The 2026 one-unit conforming loan limit in Stanislaus County (Modesto) is $832,750, California's baseline — comfortably above typical local home prices.
- What is the 2026 FHA loan limit in Modesto?
- The 2026 FHA loan limit in Stanislaus County is $545,100 for a single-family home, which covers the large majority of Modesto-area homes with as little as 3.5% down.
- Do you help first-time buyers in Modesto?
- Yes. Stanislaus County is a strong first-time-buyer market, and we work with low-down-payment FHA and conventional loans plus California down-payment-assistance options.
Loan limits shown are the official 2026 FHFA (conforming) and HUD (FHA) one-unit limits for this county, provided for information only — not an offer to lend or a commitment. All loans subject to credit approval. Equal Housing Lender.