Compare Mortgage Programs
Side-by-side comparisons of California's most popular mortgage programs. See the differences in rates, requirements, and total costs to make an informed decision.
FHA vs. Conventional Loans
FHA and conventional loans are the two most popular mortgage options in California. Choosing the right one can save you ...
See Full Comparison →FHA vs. VA Loans
If you have military service, the VA loan is almost always the better choice over FHA. Here's the detailed comparison sh...
See Full Comparison →Hard Money vs. Conventional Loans
Hard money and conventional loans serve fundamentally different purposes. Understanding when to use each can save you mo...
See Full Comparison →DSCR vs. Conventional for Investment Properties
Both DSCR and conventional loans finance rental properties, but they qualify differently and scale differently. Here's h...
See Full Comparison →Bank Statement vs. Full Documentation Loans
Self-employed Californians face a unique dilemma: the tax deductions that save you money make your income look lower to ...
See Full Comparison →Jumbo vs. Conforming Loans in California
In California, the line between conforming and jumbo is $1,209,750. Here's what changes when you cross it — and strategi...
See Full Comparison →15-Year vs. 30-Year Mortgage
The term of your mortgage dramatically affects your monthly payment, total interest paid, and wealth-building timeline. ...
See Full Comparison →ARM vs. Fixed-Rate Mortgage
Adjustable-rate mortgages offer lower initial rates but carry risk. Fixed rates offer stability but cost more upfront. H...
See Full Comparison →VA vs. Conventional Loans
VA loans are generally the best deal in mortgage lending. But there are rare situations where conventional could make mo...
See Full Comparison →HELOC vs. Home Equity Loan
Both let you borrow against your California home's equity, but they work very differently. Here's how to choose the righ...
See Full Comparison →Last updated: July 2026. Sources: FHFA, HUD, VA, CalHFA, CFPB, California DRE, California Association of Realtors. All loans subject to credit approval. Rates subject to change.