California
Santa Barbara County Mortgage & Refinance Lender
Santa Barbara County spans a premium coast and a more attainable inland valley, with a 2026 mid-tier loan limit that reflects its higher home values. From the city of Santa Barbara to Santa Maria, we help you structure financing that fits a Central Coast purchase.
2026 loan limits · Santa Barbara County
$941,850
Conforming (1-unit)
$941,850
FHA (1-unit)
Loan amounts above $941,850 are financed as jumbo loans, which we also offer.
Programs available here
Areas we serve
Santa Barbara · Santa Maria · Goleta · Lompoc · Carpinteria · Guadalupe
Frequently asked questions
- What is the 2026 conforming loan limit in Santa Barbara County?
- The 2026 one-unit conforming loan limit in Santa Barbara County is $941,850. Amounts above it are financed as jumbo loans, which we also offer.
- Do you offer FHA loans in Santa Barbara County?
- Yes. The 2026 FHA limit in Santa Barbara County is $941,850 for a single-family home, so FHA financing with as little as 3.5% down is available county-wide.
- Do you serve both the coast and the Santa Maria Valley?
- Yes — we work with buyers throughout Santa Barbara County, from the coastal communities of Santa Barbara, Goleta and Carpinteria to Santa Maria and Lompoc inland.
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.