Los Angeles Mortgage Rates & Home Loans
Freedomstar Financial offers competitive mortgage rates on conventional, FHA, VA, and jumbo home loans in Los Angeles, California (License #DRE01852897). Los Angeles County is a high-cost area with a 2026 conforming loan limit of up to $1,249,125 for a one-unit home — the national ceiling — so many LA buyers can stay in agency financing before reaching jumbo territory.
Los Angeles is one of the highest-cost housing markets in the country, so financing here often means high-balance conforming or jumbo loans. Getting pre-approved with accurate county limits up front saves LA buyers from surprises in a competitive market.
Today's Los Angeles Mortgage Rates
Live best-execution California rates from our lender network — as of July 21, 2026 at 11:15 AM PDT.
Conventional 30-Yr Fixed
6.000%
APR 6.101%
High-Balance 30-Yr Fixed
6.125%
APR 6.193%
Jumbo 30-Yr Fixed
6.125%
APR 6.203%
VA 30-Yr Fixed
5.625%
APR 5.741%
Rates subject to change. See Rate Assumptions.
Los Angeles Home Loan Facts
Median Home Price
~$970,000
Curated Los Angeles estimate.
2026 Conforming Limit
$832,750
Los Angeles County baseline reference.
County
Los Angeles County
Loan limits are set at the county level.
Loan Limits & Market
Los Angeles County is a high-cost area with a 2026 conforming loan limit of up to $1,249,125 for a one-unit home — the national ceiling — so many LA buyers can stay in agency financing before reaching jumbo territory.
From the Westside and South Bay to the San Fernando Valley and Downtown, LA prices vary widely by neighborhood. Many single-family purchases exceed the baseline conforming limit, which makes high-balance and jumbo pricing the deciding factor for a lot of buyers.
Los Angeles Highlights
- Los Angeles County conforming limit up to $1,249,125 (2026)
- High-balance conforming often replaces jumbo for LA buyers
- Jumbo financing available above the county limit
- Conventional, FHA, and VA options all supported
Property Taxes in California
California property tax is capped near 1% of assessed value under Proposition 13, with assessed value increases limited to 2% per year until a sale.
Market facts last updated July 21, 2026.
First-Time Buyer Programs in California
CalHFA MyHome Assistance
Deferred-payment junior loan to help cover down payment or closing costs.
CalHFA Conventional & FHA
Below-market first mortgages pairable with down payment assistance.
Program availability and terms are set by the administering agency and subject to change. Contact us to confirm current eligibility.
Licensed to Lend in Los Angeles, California
Your Los Angeles loans are handled by Ivan Hendren, NMLS #152318. Freedomstar Financial holds an active California mortgage license (#DRE01852897). See our full licensing & disclosures for details.
Meet Ivan HendrenLos Angeles Mortgage FAQ
What is the conforming loan limit in Los Angeles for 2026?
Los Angeles County is a high-cost area with a 2026 conforming limit of up to $1,249,125 for a one-unit home. Loans above that amount are financed as jumbo loans.
Do I need a jumbo loan to buy in Los Angeles?
Not always. Because LA County allows a conforming limit up to $1,249,125, many buyers can use a high-balance conforming loan and only need a jumbo loan when the loan amount exceeds that limit.
Ready to get started in Los Angeles?
Get a personalized, transparent Californiarate quote in minutes — no obligation, no hard credit pull to start.