San Diego Mortgage Rates & Home Loans
Freedomstar Financial offers competitive mortgage rates on conventional, FHA, VA, and jumbo home loans in San Diego, California (License #DRE01852897). San Diego County is a high-cost area, so its 2026 conforming loan limit sits above the $832,750 national baseline. That lets many San Diego buyers use high-balance conforming financing before a jumbo loan is required.
San Diego pairs a high-cost coastal housing market with one of the largest military communities in the country. That combination makes both VA loan expertise and high-balance conforming pricing essential for buyers here.
Today's San Diego 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.
San Diego Home Loan Facts
Median Home Price
~$920,000
Curated San Diego estimate.
2026 Conforming Limit
$832,750
San Diego County baseline reference.
County
San Diego County
Loan limits are set at the county level.
Loan Limits & Market
San Diego County is a high-cost area, so its 2026 conforming loan limit sits above the $832,750 national baseline. That lets many San Diego buyers use high-balance conforming financing before a jumbo loan is required.
With major Navy and Marine Corps installations across the county, VA loans are heavily used in San Diego. At the same time, coastal and inland neighborhoods often price above the baseline conforming limit, so high-balance loans are common.
San Diego Highlights
- High-cost county limit above the $832,750 baseline (2026)
- Exceptional VA loan demand near military bases
- No down payment or PMI for eligible VA borrowers
- High-balance and jumbo options for coastal price points
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 San Diego, California
Your San Diego 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 HendrenSan Diego Mortgage FAQ
Are VA loans common in San Diego?
Yes. San Diego has a very large active-duty and veteran population, so VA loans are among the most-used products here. Eligible borrowers get no down payment, no PMI, and competitive rates.
Is San Diego a high-cost county for conforming loans?
Yes. San Diego County carries a 2026 conforming limit above the $832,750 national baseline, so many buyers can use high-balance conforming financing before needing a jumbo loan.
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