Buy a Home in California

Are you shopping for a home in San Diego, California? It all starts with finding a suitable home loan.

For over 20 years, Joshua Barton, Broker has helped homebuyers throughout the state to move into their dream homes with competitive mortgage products.

Let’s make your dreams of becoming a homeowner in our beautiful state come true by connecting you with the right home loan.

Find Your Ideal Home Purchase Loan


Conventional mortgages are not insured by government agencies, unlike VA or FHA loans. Borrowers interested in conventional mortgages usually are looking for conforming loans that fit within the Fannie Mae and Freddie Mac loan limits. Depending on your qualifications, your down payment for a conventional conforming loan could be as low as 3%.

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Veterans, active duty service members, and eligible surviving spouses may qualify for VA mortgages. Insured by the years Department of Veterans Affairs, VA home loans feature zero down payment, no PMI, easy credit qualification, and affordable interest rates.

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Even without a perfect credit score, it is possible to qualify for an affordable mortgage. The FHA home loan program guaranteed by the Federal Housing Administration allows qualifying homebuyers to enjoy competitive rates and a down payment as low as 3.5%.

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If your financing requirements exceed the Fannie Mae and Freddie Mac loan limits, you may need to choose a jumbo loan. This is a type of conventional loan that is classified as a non-conforming mortgage.

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What Type of Home Purchase Loan in California Do You Need?

Not sure what type of mortgage in San Diego is right for you? The ideal home loan will depend on two things: your qualifications and your goals.

Home Purchase Loan in California

In terms of qualifications, we will look at:

  • Your credit score
  • Your debt-to-income (DTI) ratio
  • Your income
  • Your assets
  • Your financial history
California Home Purchase Loan

As far as goals go, you can ask yourself the following questions:

  • What are you looking for in a home? How much home can you afford?
  • How long will you be staying in the home?
  • How liquid do you need your finances to be?

Answering these questions on your own and assessing your qualifications by yourself can be tricky, especially if you are a first time homebuyer.

With Joshua Barton, Broker, you can rest assured that you have a dedicated team waiting to walk you through these important questions and considerations. Together, we can help you figure out which type of mortgage will help you achieve your goals.

Move Into Your California Dream Home Now

Whether you are looking to purchase a home in San Diego, California, we can connect you with the ideal loan. To get started now, please give us a call today at (760) 692-4662 to schedule your consultation.