Independent mortgage guides for San Diego and California homebuyers

Most mortgage content online is written by lenders selling you their own products. We compare loan programs, rates, and lenders side by side, with every claim sourced from CFPB guidelines, HUD documentation, and verified rate sheets. No affiliate links.

The FHA vs. conventional comparison breaks down minimum down payments, mortgage insurance costs, and loan limits with 2026 numbers. The first-time buyer programs guide covers every CalHFA grant, forgivable loan, and tax credit available in California, including San Diego Housing Commission programs. The VA loans guide covers eligibility, funding fees, and lender comparisons for military families near Camp Pendleton, Naval Base San Diego, and MCAS Miramar.