Jumbo
to $3M+
Coastal San Diego, La Jolla, Del Mar, Rancho Santa Fe are jumbo-heavy
Mortgage Rates in San Diego, CA
Current mortgage rates in San Diego for conventional, FHA, VA and jumbo loans. San Diego County expertise, jumbo specialists, CalHFA programs and fast closings across coastal and inland San Diego.
No credit impact to see your personalized rates. Pre-qualification is a soft pull.
Why San Diego 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 San Diego
Conventional
3-5% down
Available for properties at or under conforming limit
FHA
3.5% down
Active in East County, South Bay, inland communities
VA
0% down
Very high VA usage given San Diego's military presence
CalHFA
Up to $10K
California Housing Finance Agency first-time buyer programs
Physician Loan
0-5% down
For residents and fellows at UCSD, Scripps, Sharp
San Diego market snapshot
| Median home price | $875,000 |
|---|---|
| Property tax rate | ~1.1% effective (San Diego County) |
| Transfer tax | ~$1.10 per $1,000 (city + county combined) |
| Typical days on market | 26 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 San Diego
La Jolla, Del Mar, Rancho Santa Fe, Carmel Valley, Scripps Ranch, Poway, Mira Mesa, Kearny Mesa, Pacific Beach, Ocean Beach, Point Loma, North Park, South Park, Downtown San Diego, Coronado, Chula Vista, Carlsbad, Encinitas, Escondido
Frequently asked questions about mortgages in San Diego
Do you offer VA loans in San Diego?
Yes. San Diego has one of the largest military populations in the country, and VA loans are a major part of our business. TouchPoint offers 0% down VA loans with no PMI, and we routinely close VA purchases in 21-28 days.
Why is everything a jumbo loan in San Diego?
The San Diego median is around $875,000, above the 2026 conforming limit of $806,500. Most homes in La Jolla, Del Mar, Rancho Santa Fe and coastal communities require jumbo financing. TouchPoint has jumbo specialists across San Diego County.
What about CalHFA programs?
CalHFA's MyHome Assistance offers up to 3.5% of purchase price for first-time buyers in California. Income and purchase price limits apply. TouchPoint can layer CalHFA with FHA, VA or conventional financing.
How long does it take to close in San Diego?
TouchPoint closes most San Diego purchases in 21-28 days. San Diego County recording and title are generally efficient. Refis run 14-25 days.
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