California Home Loan Programs

Whatever your situation or challenge, chances are good we have a home loan program that fits your needs. Whether you’re a first-time buyer or a seasoned investor, as an Orange County and California lender, RTC Mortgage has a wide variety of mortgage programs to choose from.

Our job is to help you make sense of the options, and help you get an affordable loan with the best terms available for your situation.

Veterans – Zero down programs available!
USDA loans with nothing down!
3% and 3.5% down payment programs available!
First time buyers!
Investor programs available!
Jumbo loans – up to $20 million for qualified borrowers!
Reverse Mortgages

This can take a bit of time. As professional Orange County mortgage brokers, we’ll have a lot of questions for you to determine your individual situation and needs – but that’s just so we can match you up with the best lender and the best loan program possible. So you can choose the loan that suits your best interests – not the bank’s!
There’s no substitute for a good fact-finder interview with one of our experienced Orange County mortgage professionals. To start this process, fill out our application right now, and we’ll follow up with you promptly, so you can soon own your Orange County, California dream home or condo!

Apply Online Now.

Meanwhile, here’s a brief planning guide. This will help you get a sense of the different loan programs available in Orange County and Southern California at large, and the minimum down payment requirements you can expect with each program.

“Marti and I wanted to thank you for working so hard on our behalf to get us the loan and into our new home! … I’m still amazed at the loan rate you locked in for us.”

– James and Marti K., Laguna Niguel

Loan Programs and Down Payment Requirements

Minimum Down Maximum Loan Loan Program Occupancy
0% up to $726,525** VA loan Primary Residence
Loan Amounts** up to $1,000,000 VA loan Primary Residence
0% up to $581,220*** USDA loan Primary Residence
3% up to $726,525* Home Possible® Primary Residence
3% up to $726,525* HomeReady Primary Residence
3.50% up to $726,525**** FHA loan Primary Residence
5% up to $726,525* Conventional Primary Residence
5% up to $2,500,000 Portfolio No MI Primary Residence
20% up to $2,000,000 Portfolio Jumbo Primary Residence
25% up to $2,500,000 Portfolio Jumbo Primary Residence
30% up to $3,000,000 Portfolio Jumbo Primary Residence
40% up to $4,000,000 Portfolio Jumbo Primary Residence
10% up to $726,525* Conventional Second Home
20% up to $1,000,000 Portfolio Jumbo Second Home
25% up to $1,500,000 Portfolio Jumbo Second Home
30% up to $2,000,000 Portfolio Jumbo Second Home
40% up to $4,000,000 Portfolio Jumbo Second Home
20% up to $726,525* Conventional Investor
25% up to $1,000,000 Portfolio Jumbo Investor
30% up to $1,500,000 Portfolio Jumbo Investor
35% up to $2,000,000 Portfolio Jumbo Investor

Loan amounts up to $20,000,000 are available on a case-by-case basis.

*The maximum conforming loan amount for the State of California varies by County and ranges from $484,350 to $726,525. See below for a sample list of Southern California County loan limits. If your county is not included below, see the complete list of maximum conforming loan limits by county.

**VA Jumbo – The minimum down for a VA Jumbo is 25% of any amount over $484,350*.

***$581,220 is the max loan amount for USDA loans in Orange County. Please click here for a complete list of lending limits for USDA loans in all California counties.

****$726,525 is the max loan amount for FHA loans in Orange County. Please click here for a complete list of lending limits for FHA loans in all California counties.

Loan Programs Available

RTC Mortgage is your Orange County home loan specialist. Contact us today to inquire about or apply for these affordable home loan programs:

Portfolio Jumbo Loans
$484,351 and up

Agency Loans
Fannie Mae
Freddie Mac
FHA
VA
USDA

Government Loans
FHA
VA
USDA

Portfolio Loans
Non-agency and non-government

Loan Terms Available

Government Loan Terms
• VA/FHA Loans

30-year fixed
15-year fixed
5/1 ARM

•USDA Loans

30-year fixed

Conventional Mortgage Loan Terms

•30-year fixed
•15-year fixed
•10-year ARM
•7-year ARM
•5-year ARM
•3-year ARM

Portfolio Loan Terms

• 30-year fixed
• 15-year fixed
• 10-year ARM
• 7-year ARM
• 5-year ARM
• 3-year ARM
• 1-year ARM

Loan Limits

State of California Loan Limits

1 unit 2 units 3 units 4 units
$484,350 $620,200 $749,650 $931,600

*Southern California County Loan Limits – Agency Jumbo

Orange County
1 unit 2 units 3 units 4 units
$726,525 $930,300 $1,124,475 $1,397,400
Los Angeles County
1 unit 2 units 3 units 4 units
$726,525 $930,300 $1,124,475 $1,397,400
San Diego County
1 unit 2 units 3 units 4 units
$690,000 $883,300 $1,067,750 $1,326,950
Riverside County
1 unit 2 units 3 units 4 units
$484,350 $620,200 $749,650 $931,600

Apply Online Now.

Areas served:

• California
• Orange County
• Newport Beach
• Costa Mesa
• Laguna
• Laguna Niguel
• Dana Point
• Irvine
• Anaheim
• San Clemente
• Tustin
• Oceanside
• San Diego
• City of Orange
• Santa Ana
• San Juan Capistrano
• Garden Grove
• Long Beach
• Fountain Valley
• Palos Verdes
• Laguna Hills
• Mission Viejo
• Ladera Ranch
• Cerritos
• Westminster
• Hawaiian Gardens
• Los Angeles County
• the Bay Area