DiVita Home Finance provides expert mortgage services throughout Riverside County and the Inland Empire — one of Southern California’s fastest-growing housing markets. Whether you’re buying in Temecula, refinancing in Corona, or exploring your options in Rancho Cucamonga, our team has been serving California homebuyers since 2007.
Why the Inland Empire Is One of California’s Best Markets for Buyers
The Inland Empire — spanning Riverside and San Bernardino counties — offers some of the most accessible home prices in Southern California. With median home prices significantly below coastal markets, buyers can get more space and more home for their dollar while remaining within commuting distance of Los Angeles and Orange County. Cities like Temecula and Murrieta have become especially popular with families seeking top-rated schools, newer construction, and a suburban lifestyle at a fraction of coastal pricing.
Loan Programs Available in Riverside County
- Conventional Loans — as low as 3% down, competitive rates for strong-credit buyers
- FHA Loans — 3.5% down, flexible credit requirements, ideal for first-time buyers
- VA Loans — 0% down for eligible veterans and active military; large veteran population throughout the Inland Empire
- Jumbo Loans — for higher-priced properties in areas like Redlands, La Sierra, and newer Temecula estates
- USDA Loans — 0% down available in qualifying rural and semi-rural areas within Riverside County
- Bank Statement Loans — for self-employed buyers with strong cash flow and non-traditional income
2026 Conforming Loan Limits — Riverside County
The 2026 conforming loan limit for Riverside County is $806,500 for a single-family home. Loans above this amount require jumbo financing. The majority of Inland Empire purchases fall within the conforming limit, keeping costs and qualifying standards accessible.
Cities We Serve in the Inland Empire
DiVita Home Finance originates mortgages throughout Riverside and San Bernardino counties, including Temecula, Murrieta, Corona, Rancho Cucamonga, Redlands, Ontario, Chino Hills, and Lake Elsinore.
First-Time Buyers in the Inland Empire
The Inland Empire is one of the best regions in California for first-time homebuyers. Lower entry prices, CalHFA down payment assistance, and strong FHA and VA loan programs make ownership achievable here when coastal markets feel out of reach. Many buyers relocating from Los Angeles and Orange County discover they can buy twice the home for the same monthly payment in the Inland Empire.
Get Pre-Approved for an Inland Empire Mortgage
Contact DiVita Home Finance for a free, no-obligation mortgage consultation. We’ll review your income, credit, and goals and tell you exactly what you qualify for — typically within 24 hours.
📞 800-239-1103 | NMLS #323700 | California DRE #01818285
