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Mortgage Broker Oakhurst CA | Home Loans | Granite West Funding

If you are looking for a competitive loan for home purchase, refinance or construction in Oakhurst or anywhere in the state of California, Granite West Funding can connect you with a loan suitable for your needs.

Call Us Today! 559-540-2275

Conventional Loans
in Oakhurst, CA

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Many homes in Oakhurst and throughout California can be purchased using a conventional loan. This type of loan is also known as a “conforming loan.”

What Are Conventional Loans?

With a conventional loan, you can finance the purchase of a home up to the Fannie Mae and Freddie Mac conforming loan limits.

Need to borrow more? Learn about Jumbo financing. Conventional mortgages may feature fixed or adjustable mortgage rates. It is possible to get a down payment as low as 3%.

What Are the Conventional Loan Limits in California?

The conventional loan limits are determined by the county where you are buying a home.

Oakhurst is located in Madera County, CA. The Madera County conventional loan limits are as follows:

1 UNIT

$484,350

2 UNITS

$620,200

3 UNITS

$749,650

4 UNITS

$931,600

These are also the conventional loan limits for Fresno County. Some counties nearby are more expensive to live in, and therefore have higher conventional loan limits.

The San Francisco County conventional loan limits are:


1 UNIT

$726,525

2 UNITS

$930,300

3 UNITS

$1,124,475

4 UNITS

$1,397,400

These are also the conventional loan limits for Santa Clara County, where San Jose is located.

If you are not certain what the conventional loan limits are for the county where you plan to purchase a home, we can inform you what those limits are during your free consultation.

Need to borrow more?

Even if you are not located in a high cost area with a higher loan limit, we may still be able to work with you on a conventional loan.

Ask us about our Nationwide High Balance Conforming Product

Are You Eligible for a Conventional Mortgage in California?

When you apply for a conventional mortgage, these factors will be assessed to determine your eligibility:

Your credit score and debt-to-income (DTI) ratio.

Your financial history.

Your current employment status as well as your recent history of employment.

The down payment you can afford.

Factors involving the home itself will also be assessed. You will need to have the home appraised before you can get financing to purchase it.

Apply for a Competitive Conventional Loan in CA Now

It is time to move into your dream home in Oakhurst or elsewhere in California. To schedule your consultation and apply for conventional financing now, please call 559-540-2275.

Get Pre-Approved Today!