DiVita Home Finance provides expert mortgage services throughout San Diego County — America’s Finest City and one of California’s most dynamic real estate markets. From La Jolla’s oceanfront estates to Chula Vista’s growing family communities, our team delivers competitive rates and fast pre-approvals for San Diego buyers and homeowners.
San Diego’s Real Estate Market in 2026
San Diego continues to rank among the most desirable — and competitive — housing markets in the country. Strong demand driven by the military, biotech, defense, and tourism industries keeps inventory tight and values resilient. The county offers an extraordinary range of lifestyles, from coastal luxury in Del Mar and La Jolla to affordable suburban living in El Cajon and Santee.
Loan Programs for San Diego Buyers
- VA Loans — San Diego has one of the largest military populations in the world; 0% down VA loans are a specialty
- Jumbo Loans — essential for La Jolla, Del Mar, Coronado, and coastal Solana Beach
- Conventional Loans — up to $1,006,250 (2026 San Diego conforming limit)
- FHA Loans — up to $1,006,250 with 3.5% down
- Bank Statement Loans — for San Diego’s large self-employed and entrepreneur population
- USDA Loans — available in qualifying rural areas of East San Diego County
2026 Conforming Loan Limit — San Diego County
San Diego County’s 2026 conforming loan limit is $1,006,250 — above the national baseline but below the Bay Area maximum. Buyers in higher-priced coastal markets will often need jumbo financing.
Cities We Serve in San Diego County
We serve buyers throughout San Diego County including La Jolla, Del Mar, Chula Vista, Oceanside, El Cajon, Escondido, San Marcos, Solana Beach, and existing coverage in Carlsbad and Encinitas.
VA Loans in San Diego — A Specialty
San Diego is home to Camp Pendleton, Naval Base San Diego, Naval Air Station North Island, and dozens of other military installations. DiVita Home Finance has deep expertise in VA loans and helps active duty service members, veterans, and surviving spouses achieve homeownership with zero down payment throughout San Diego County.
Start Your San Diego Pre-Approval
📞 800-239-1103 | NMLS #323700 | California DRE #01818285
