Michael Wolff is a licensed mortgage broker serving buyers throughout Los Angeles. Whether you’re buying in Silver Lake, the Westside, the Valley, or anywhere in between — LA’s high prices, competitive markets, and complex income situations demand a broker who knows the programs and can move fast.
Areas Served in Los Angeles
- San Fernando Valley — Encino, Sherman Oaks, Studio City, Woodland Hills, Burbank, North Hollywood, Van Nuys
- Westside — Santa Monica, Brentwood, West LA, Culver City, Mar Vista
- Central/East LA — Silver Lake, Los Feliz, Echo Park, Highland Park, Pasadena
- South Bay — El Segundo, Manhattan Beach, Hermosa Beach, Redondo Beach, Torrance
- East/Southeast — Long Beach, Downey, Whittier, Pomona
- Licensed throughout Los Angeles County
LA County Loan Limits 2026
Los Angeles County is a federally designated high-cost area. The 2026 conforming loan limit for a single-family home is $1,249,125 — the national ceiling. This means conventional financing with as little as 3% down is available up to that amount without requiring jumbo financing.
- Conventional (1-unit): $1,249,125 — FHFA
- FHA (1-unit): $1,249,125 — HUD
- VA: No county loan limit for veterans with full entitlement
- Jumbo: Available for purchases above the conforming ceiling
Mortgage Programs for LA Buyers
- VA Loans — Zero down, no PMI for eligible veterans. No loan limit with full entitlement — critical in a market where median prices regularly exceed $800K
- Conventional Loans — 3% down up to $1,249,125. High-balance conventional covers most of the LA market without jumbo
- FHA Loans — 3.5% down, more flexible credit guidelines. High-cost limit of $1,249,125
- Jumbo Loans — For purchases above the conforming limit in premium neighborhoods
- Bank Statement Loans — For self-employed LA buyers: entertainment industry, tech, real estate, freelancers
- CalHFA Programs — Down payment assistance for eligible first-time buyers. More at calhfa.ca.gov
What Makes LA Different for Buyers
Speed Matters
The LA market is competitive. A fully underwritten pre-approval — not just a pre-qualification letter — is the difference between a strong offer and one that gets ignored. Listing agents in LA know the difference.
Complex Income is the Norm
Entertainment, tech, self-employment, multiple income streams — LA has a disproportionately high concentration of buyers who don’t qualify cleanly through standard W-2 documentation. Bank statement loans, 1099 programs, and P&L-based options exist specifically for this buyer profile.
Condo FHA Approval
LA has a large condo market. FHA financing on condos requires building-level project approval — not all buildings qualify. This is worth confirming before making an offer on any condo.
Los Angeles Neighborhoods & Subpages
- San Fernando Valley Overview
- Encino
- Sherman Oaks
- Studio City
- Woodland Hills
- Burbank
- North Hollywood
- Van Nuys
Frequently Asked Questions
What is the conforming loan limit in Los Angeles County?
$1,249,125 for a single-family home in 2026. This is the national high-cost ceiling and applies to both conventional and FHA loans in LA County.
Can I buy in LA with 3% down?
Yes — conventional financing allows as little as 3% down up to the $1,249,125 conforming limit. At $1M purchase price, that’s $30K down. FHA allows 3.5% down with more flexible qualifying.
I’m self-employed in entertainment/tech. Can I qualify?
Yes. Bank statement loans, 1099 programs, and P&L-based options are available for buyers whose tax returns understate actual income — a very common situation in LA’s entertainment and tech economy.
Get Started in Los Angeles
Book a call to talk through your situation, or apply now if you’re ready to move forward.
Also explore: California Overview · Compare Loan Types · Bank Statement Loans · All Locations
Michael Wolff · NMLS #239403 · Go Rascal, Inc. NMLS #2072896 · Licensed in CA · Equal Housing Opportunity