Where · All of California

Home loans anywhere in California.

Sam Batayneh is licensed in California and lends in all of California, not only in the eight regions Sam covers most. Every California county is on one of this site’s pages. The loan limit depends on the county, and the loan that fits depends on your own file.

National baseline · 2026, source: FHFA$832,750A loan above this and up to the county limit is a high-balance conforming loan.

High-cost ceiling · 2026, source: FHFA$1,249,125The most a conforming loan can be in any California county. Above this, a loan is a jumbo loan in every county.

One-unit homes. Source: FHFA’s 2026 county loan limit file, read November 10, 2026. Every county’s limit is between these two figures. See the limits by county. Limits change each January, and the 2027 figures are expected in late November 2026. These are published limits, not an offer of any loan amount.

Across the state

One state, a limit for every county.

Ask Sam about a home here

Sam concentrates on Los Angeles and the San Francisco Bay Area, and this site has a page for each of the eight regions Sam covers most. Sam also lends in the rest of the state: Sacramento, the Inland Empire, the Central Valley, Lake Tahoe, the North Coast and everywhere between. Every area has a page of its own.

What changes from place to place is the loan limit. FHFA sets a conforming loan limit for each county. For 2026 the national baseline is $832,750 for a one-unit home. In high-cost counties, which include much of coastal California, the limit is higher, up to a ceiling of $1,249,125. A loan above the baseline and at or under the county’s limit is a high-balance conforming loan. The Loan limits page has the 2026 figures by county, and the calculator shows where a loan amount falls.

A loan above the county’s limit is a jumbo loan, in every part of the state. Jumbo loans are not sold to Fannie Mae or Freddie Mac, so each lender sets its own rules on income, savings and the property. Jumbo loans are Sam’s specialty.

Many home loans are not jumbo, and Sam does those too: FHA loans, VA loans, conforming loans under Fannie Mae and Freddie Mac rules, and the other programs OriginPoint offers. The Loan options page explains each one, and there is a page on how Sam works with every kind of home buyer. Every loan is subject to credit and underwriting approval.

Where

Regions Sam covers most.

Each of these eight pages has its county’s 2026 limit and what is different there.

Los Angeles jumbo loans and 2026 limits San Francisco jumbo loans and 2026 limits Silicon Valley: Santa Clara and San Mateo county limits Orange County jumbo and high-balance loans San Diego jumbo loans and 2026 limits Central Coast limits: Santa Barbara, San Luis Obispo, Monterey Wine Country: second homes in Napa and Sonoma counties Palm Springs and the Coachella Valley: second homes in the desert

Where

Every area.

All 58 California counties, each on one of these 22 pages. Each page has its counties’ 2026 limits.

Los Angeles: Los Angeles County San Francisco: San Francisco County Silicon Valley: Santa Clara and San Mateo counties Orange County San Diego: San Diego County Central Coast: Santa Barbara, San Luis Obispo and Monterey counties Wine Country: Napa and Sonoma counties Palm Springs: Riverside County East Bay: Alameda and Contra Costa counties North Bay: Marin and Solano counties Sacramento area: Sacramento, Yolo and Placer counties Sacramento Valley: Butte, Colusa, Glenn, Sutter, Tehama and Yuba counties Central Valley: Fresno, Kern, Kings, Madera, Merced, San Joaquin, Stanislaus and Tulare counties Gold Country: Amador, Calaveras, Tuolumne and Mariposa counties Lake Tahoe and the Sierra: El Dorado, Nevada, Alpine, Plumas and Sierra counties Eastern Sierra: Inyo and Mono counties North Coast: Del Norte, Humboldt, Mendocino and Lake counties Far North: Shasta, Siskiyou, Trinity, Lassen and Modoc counties Inland Empire: San Bernardino County Imperial Valley: Imperial County Monterey Bay: Santa Cruz and San Benito counties Ventura County

Illustration of modern hillside homes above Los Angeles, with the downtown skyline in the distance — Los Angeles

Illustration of waterfront homes above a marina on San Francisco Bay, with a bridge in the distance — San Francisco

Illustration of homes on sandstone cliffs above the surf on the San Diego coast — San Diego coast

Illustration of red-tile roofs and palm trees in the Santa Barbara area, between the mountains and the ocean — Santa Barbara County

Pictures are AI-generated illustrations of the general area. They do not show any particular home, address or listing.

Who Sam works with

Which page fits you.

These are Sam’s three specialties, and Sam works with every kind of home buyer. More pages: First-time home buyers, Self-employed and business owners, Physicians and medical professionals, Attorneys and law-firm partners, Executives and finance professionals, Real estate investors, Second-home and vacation-home buyers, Relocating to California.

The Tech Lender

Tech professionals

For RSU, stock and bonus income, wherever in California you are buying.

How stock and bonus income is counted

The Athlete & Sports Lender

Athletes and sports professionals

For contract, bonus and seasonal income, and for moves on short notice.

How contract income is counted

The Celebrity & Entertainment Lender

Entertainers and creators

For 1099, residual and royalty income, and for questions about trusts and privacy.

How 1099 and royalty income is counted

Common questions

Plain answers.

Does Sam only work in Los Angeles and the Bay Area?

No. Sam Batayneh is licensed in California and lends in all of California. Sam concentrates on Los Angeles and the San Francisco Bay Area, and this site has pages for the eight regions Sam covers most and for every other area of the state. Sam also works with buyers in Sacramento, the Inland Empire, the Central Valley, Lake Tahoe, the North Coast and the rest of California.

What is the 2026 conforming loan limit in California?

There is no single figure for the state, because the limit is set county by county by the Federal Housing Finance Agency (FHFA). For 2026, the limit for a one-unit home is $832,750 in counties that follow the national baseline, and higher in high-cost counties, up to $1,249,125. Homes with two to four units have higher limits. See the 2026 limits for the counties on this site.

When is a home loan in California a jumbo loan?

A home loan is a jumbo loan when the loan amount is above the conforming limit for the county the home is in. It is the loan amount that matters, not the price of the home. Because county limits differ, the same loan amount can be conforming in one county and jumbo in the next. Each lender sets its own rules for jumbo loans.

What is a high-balance conforming loan?

A high-balance conforming loan is a loan above the national baseline of $832,750 and at or under the limit of a high-cost county. It is still a conforming loan, under Fannie Mae and Freddie Mac rules, although some of those rules differ from the ones for smaller loans. A county that follows the national baseline has no high-balance range.

Which loan programs can I ask Sam about?

The same ones anywhere in California: jumbo loans, conventional loans, FHA loans, VA loans, Bank Statement loans, Foreign National loans and the other programs described on the loans page. Not every program is offered to every borrower, and every loan is subject to credit and underwriting approval. See every loan option in plain words.

General education only. Each lender sets its own rules, and they change. Nothing here is a promise that a loan will be approved or of any terms. This is not tax, legal or investment advice: for those questions, ask your own CPA, attorney or business manager.