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Mortgage Lender · CA
Mortgage Lender in California: Los Angeles, San Diego, San Jose & More
California has some of the most competitive real estate markets in the nation. For 2026, the one-unit conforming ceiling in high-cost counties is $1,249,125, while the national baseline is $832,750. The exact limit depends on the property county and unit count.
Down Payment Assistance & Programs in California
CalHFA (California Housing Finance Agency) offers MyHome Assistance for down payment and closing cost help, and the CalHFA Zero Interest Program (ZIP) as a deferred second mortgage. CalVet Home Loans are available for eligible California veterans. HCMG's California-licensed loan officers can assess your eligibility quickly.