California
Stockton Mortgage & Refinance Lender
San Joaquin County draws buyers priced out of the Bay Area — especially in Tracy and Manteca along the commute corridor — while keeping Central Valley affordability. With the 2026 conforming baseline at $832,750, most Stockton-area homes fit conventional or FHA financing. We help you get pre-approved and stretch your budget.
2026 loan limits · San Joaquin County
$832,750
Conforming (1-unit)
$678,500
FHA (1-unit)
Loan amounts above $832,750 are financed as jumbo loans, which we also offer.
Programs available here
Areas we serve
Stockton · Tracy · Lodi · Manteca · Lathrop
Frequently asked questions
- What is the 2026 conforming loan limit in San Joaquin County?
- The 2026 one-unit conforming loan limit in San Joaquin County (Stockton) is $832,750, California's baseline. Amounts above it are financed as jumbo loans.
- What is the 2026 FHA loan limit in Stockton?
- The 2026 FHA loan limit in San Joaquin County is $678,500 for a single-family home, covering the large majority of Stockton-area homes with as little as 3.5% down.
- Is Stockton a good option for Bay Area commuters?
- Many buyers think so. Tracy, Manteca and Lathrop offer more home for the money within commuting distance of the East Bay, and we help commuters get pre-approved for the move.
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.