Conventional Home Loans
Conventional Home Loans in San Diego: Flexible Financing for Serious Buyers
A conventional home loan is one of the most popular paths to homeownership in San Diego. Unlike FHA or VA loans, these mortgages aren’t backed by a government agency. Instead, they’re issued by private lenders—like banks and mortgage companies—and must meet the standards of Fannie Mae and Freddie Mac.
Because they’re privately funded, conventional loans offer flexibility in how you qualify, structure, and repay your mortgage.
They’re a great fit for buyers with strong credit histories, stable income, and the goal of long-term financial growth.
Why Choose a Conventional Home Loan?
Competitive Interest Rates
Borrowers with good credit scores often receive the lowest interest rates available. Over the life of your mortgage, this can translate into tens of thousands of dollars in savings.
Flexible Loan Terms
Choose from 15-, 20-, or 30-year terms, and decide between fixed or adjustable rates. At SD-Loans, we tailor every mortgage to align with your financial goals—not a one-size-fits-all formula.
Higher Loan Limits for San Diego Buyers
In 2025, conforming loan limits for San Diego County rose to $1,006,250 for single-family homes. That means you can finance more while still benefiting from conforming rates.
No Private Mortgage Insurance (PMI) with 20% Down
Put down 20% or more and eliminate PMI, saving you hundreds of dollars each month.
Is a Conventional Loan Right for You?
You might be an ideal candidate if:
You have a credit score of 620 or higher
You can make a 3%–20% down payment
Your debt-to-income ratio (DTI) falls below 45%
You’re buying a primary residence, second home, or investment property
Conventional loans reward financial readiness and give qualified buyers more control over their mortgage terms.
The Loan Process — Simplified
At SD-Loans, we make your home-buying journey stress-free and transparent. Here’s how it works:
Introductory Call – We discuss your goals and explain your best loan options.
Application & Pre-Approval – Complete a secure online application for quick review.
Loan Processing – Our team verifies documents and prepares for underwriting.
Underwriting – We ensure your loan meets all requirements for approval.
Clear to Close – Once approved, we schedule closing and finalize funding.
You Get the Keys! – Congratulations—your San Diego home is officially yours.
Why Work with SD-Loans
Local Experience, National Reach
With years of experience serving San Diego homebuyers, we understand the market dynamics, property values, and lending guidelines specific to Southern California.
Personalized Guidance
You’ll work directly with a licensed mortgage expert—not a call center—to structure your ideal financing solution.
Trusted by San Diego Families
From first-time buyers to investors, our clients trust SD-Loans for speed, transparency, and reliability.
Next Steps
We’re here to guide you every step of the way.
Call Trevor Sanders at (619) 855-5061 or email [email protected] to get your personalized rate quote.
Or start your pre-approval online at sd-loans.com.
Conventional vs FHA vs VA Loans
| Feature | Conventional Loan | FHA Loan | VA Loan |
|---|---|---|---|
| Credit Score | 620+ | 580+ | No minimum (lender-specific) |
| Down Payment | 3–20% | 3.5% | 0% |
| PMI / MIP | None with 20% down | Required | None |
| Loan Limits (2025, SD County) | $1,006,250 | $1,006,250 | No official cap (based on entitlement) |
| Ideal For | Buyers with strong credit & savings | First-time buyers with limited down payment | Military service members & veterans |
| Type | Conventional (Fannie/Freddie) | Government-backed | Government-backed |
Let’s Finance the American Dream
Homeownership isn’t just about buying a house—it’s about building a future, creating memories, and achieving stability for your family. I’m here to make that dream possible with professionalism, transparency, and a personal touch. At SD-Loans, we don’t just finance homes—we help you build your future. Let’s get started today.
Let's Talk Homes!
30-minute Phone Call
Hi! I'm excited to connect with you and discuss your home financing needs.
During this free consultation, we'll explore your unique situation and find the best loan solution for you.
Let's make your homeownership journey a success!