San Diego County Loan Programs
Conventional, government-backed, jumbo, and refinance options for San Diego County borrowers. We're a family-run mortgage brokerage focused on helping you make confident decisions during major financial moments.
Why Loan Program Selection Matters in San Diego County
San Diego County's real estate market spans coastal luxury homes, urban condos, suburban family properties, and investment opportunities across cities like San Diego, Chula Vista, Oceanside, Carlsbad, and Escondido. This diversity means the right loan program depends on your specific property type, financial situation, and timing.
Our approach: We don't push you toward a single product. Instead, we explain the trade-offs between conventional, government-backed, jumbo, and refinance options so you can choose the path that makes sense for your situation. Most borrowers benefit from understanding at least two viable options before committing.
How We Help San Diego County Borrowers
Solve Lending & Realty is a family-run mortgage and real estate brokerage founded by Kiyoshi Inui and Kenji Inui. Jessica Rinaldi Inui specializes in San Diego County real estate, working with homeowners and sellers navigating complex property situations, life transitions, and timing-sensitive decisions where local experience matters.
Our role is to reduce confusion and explain real options. We believe people make better decisions when they feel informed and understood. Whether you're a growing family, a first-time buyer, or facing a financial challenge, we provide the technical roadmap and professional buffer to navigate the California market with certainty.
Purchase Loan Programs
Financing options for buying a home in San Diego County
Conventional Loans
Standard conforming loans with 3% minimum down payment. Loan limits up to $1,104,000 in San Diego County. PMI is removable once you reach 20% equity.
FHA Loans
Government-backed financing with 3.5% down payment. Credit scores as low as 580 may qualify. 2026 San Diego County limit: $1,104,000.
VA Loans
Zero-down financing for eligible military service members, veterans, and surviving spouses. No mortgage insurance required.
Jumbo Loans
Financing above $1,104,000 for luxury and high-value properties. QM and Non-QM options available up to $6M.
Refinance Loan Programs
Lower your rate or access equity from your existing San Diego County property
Rate & Term Refinance
Lower your interest rate or change your loan term without taking cash out. Often used to eliminate PMI or switch from ARM to fixed-rate.
Cash-Out Refinance
Access your home equity while refinancing your existing mortgage. Common uses include home improvements, debt consolidation, or investment opportunities.
2026 San Diego County Loan Limits
Current conforming and high-balance limits for San Diego County properties
Alternative Financing Programs
If you're self-employed, an investor, or need non-traditional documentation, these specialized programs may be a better fit than conventional loan programs:
- Non-QM Loans - Bank statement, profit & loss, asset-based qualification for self-employed borrowers
- Investor Loans - DSCR, fix-and-flip, construction, bridge, and hard money for investment properties
- Second Mortgages - HELOC and fixed second mortgages for standalone equity access
- Reverse Mortgages - HECM and proprietary reverse mortgages for borrowers age 55+
- Home Equity Investment - Non-loan equity access with no monthly payments
Kiyoshi Inui
Licensed California mortgage broker specializing in conventional, government-backed, jumbo, and alternative financing. Not a legal or tax advisor. Co-founded Solve Lending & Realty with my brother Kenji to help California borrowers make confident decisions during major financial moments.