Home Loans in Los Angeles, CA
Financing a Home in Los Angeles
Buying in Los Angeles usually means a bigger loan amount, more competition, and more ways a deal can get complicated. Gaby Godde helps LA buyers sort through it. As a mortgage broker, she compares programs from multiple lenders so you can find the one that fits your home, your income and your budget.
Loan Options for Los Angeles Buyers
for loan amounts above the conforming limit, common at LA prices
for single-family homes, condos and townhomes
low down payment, including for two- to four-unit properties you live in
down payment assistance and step-by-step guidance
for self-employed and creative professionals
for borrowers who file taxes with an ITIN
for rental and investment properties
use the equity in your current home to buy the next one
Buying in Los Angeles
Los Angeles is the largest city in the county and one of the most varied housing markets anywhere: condos and townhomes, older single-family homes, hillside properties and small multi-unit buildings, often in the same part of town. Condos may need the building’s HOA to meet lender rules, older homes may need repairs before some loans will close, and higher prices often mean a jumbo loan. Getting the loan matched to the property early saves time and stress once you’re in escrow.
Frequently Asked Questions
1. Can I buy a duplex or fourplex and live in one unit?
Yes. FHA, VA and conventional loans can be used for two- to four-unit properties when you live in one of the units, and the rent from the other units may help you qualify.
2. Do I need a jumbo loan in Los Angeles?
It depends on the price and your down payment. If your loan amount is over the conforming limit for Los Angeles County, you’ll need a jumbo loan. Gaby will run both scenarios.
3. Can I buy a condo with an FHA loan?
Some condos qualify and some don’t, depending on the building. Gaby can check a building before you make an offer.
Talk to Gaby
Ready to buy or refinance in Los Angeles? Call or text Gaby at (661) 713-3460, or request a quote at californiamortgagegirl.com/get-a-quote. See all the areas we serve.
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Gabriella Godde NMLS #262012. Groves Capital, Inc. NMLS #1678775. Equal Housing Opportunity. This is not a commitment to lend. All loans subject to credit approval. Programs, rates and terms subject to change.