Jumbo
to $3M+
Most LA homes exceed conforming limits, jumbo is the norm
Mortgage Rates in Los Angeles, CA
Current mortgage rates in Los Angeles for conventional, FHA, VA and jumbo loans. LA County expertise, jumbo specialists for high-value homes, CalHFA programs and fast closings across the LA metro.
No credit impact to see your personalized rates. Pre-qualification is a soft pull.
Why Los Angeles buyers choose TouchPoint
- Local expertise across the metro
- Same-day pre-qualification
- Closings in 18–25 days, not 45
- NMLS-licensed loan officer available when you need one
- 24/7 AI assistant (Ava) for any question, no pressure
Loan programs available in Los Angeles
Conventional
3-5% down
Available for properties at or under the conforming limit
FHA
3.5% down
Popular in South LA, San Fernando Valley, lower-cost areas
VA
0% down
Strong VA usage across LA County for veterans
CalHFA
Up to $10K
California Housing Finance Agency first-time buyer programs
Portfolio
Flexible
Non-QM bank statement and asset-based loans for self-employed
Los Angeles market snapshot
| Median home price | $925,000 |
|---|---|
| Property tax rate | ~1.1% effective (LA County) |
| Transfer tax | ~$1.10 per $1,000 (city + county combined) |
| Typical days on market | 32 days |
Market data is approximate and based on recent county-level trends. Actual figures vary by neighborhood and property type. TouchPoint does not guarantee any specific rate or term.
Areas we serve in and around Los Angeles
Beverly Hills, Bel Air, Brentwood, Pacific Palisades, Santa Monica, Venice, Westwood, Hollywood Hills, Silver Lake, Echo Park, Downtown LA, Pasadena, Glendale, Burbank, Studio City, Sherman Oaks, Encino, Tarzana, Woodland Hills, Calabasas, Malibu
Frequently asked questions about mortgages in Los Angeles
Why are jumbo loans so common in Los Angeles?
The LA median home price is around $925,000, well above the 2026 conforming loan limit of $806,500. Most purchases require a jumbo loan. TouchPoint specializes in jumbo lending across LA County.
Do you offer CalHFA down payment assistance?
Yes. CalHFA offers MyHome Assistance up to 3.5% of purchase price for first-time buyers, plus the CalHFA FHA and CalHFA VA programs. Income and purchase price limits apply, but combined with conventional or FHA financing, CalHFA can cover a meaningful portion of your down payment.
How do you handle self-employed borrowers in LA?
LA has one of the highest concentrations of self-employed and 1099 borrowers in the country. TouchPoint offers bank statement loans (12 or 24 months), P&L programs, asset-based qualification and full-doc conventional options.
How long does it take to close in LA?
TouchPoint closes most LA purchases in 21-28 days. LA County recording and title can occasionally take longer in high-volume periods. Refis run 14-25 days.
Ready to see your Los Angeles mortgage options?
Pre-qualify in about 60 seconds. No credit impact, no commitment, no pressure.
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