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Trusted Conventional Loan Lender

In San Diego

Who We've Helped With Loans

James Darby was such a tremendous help both in finding our forever house and getting financed to buy the house! The whole process seemed very smooth. He was straightforward, honest, and extremely knowledgeable. He is extremely accessible by phone or email which is what I personally prefer. He will answer emails sometimes in the middle of the night and I appreciate that kind of dedication! I would definitely recommend him!

Christopher.

James is the best. He helped as to find our dream home and by his help, we got our home loan approved in no time. Everyday James kept updating all status process, and what we needed to complete to move forward faster. Everything was so smooth and no hassle. Less than 30 days, we moved to our beautiful home. Once again thank you to James.

• Nora Elizabeth

I’m a first time homebuyer. James and his team helped me through the entire process. I required a lot of hand holding and he was there with me through each step of the process. James helped me right away and got me a lower interest rate! It was super awesome and stress free, because he knows his stuff. James consistently performed as well as we expected. Would recommend to everyone!

• Jill C.

James is everything we had hoped for in a realtor and more! Being new to the area, he gave us a great tour of all the neighborhoods and really helped guide us in finding the right areas to focus on for our home search. he Was immensely patient and helped us stay patient as we waded through the crazy San Diego housing market! His network of contacts is another great asset. James helped us find a great home in a great location that really met our needs! I would highly recommend James Darby to anyone venturing into the housing market and you will not be disappointed!

• Melissa M.

James was everything we needed in a realtor and more. He made the first-time home buying process so easy on us. There were plenty of issues that had to be worked out, but he managed them all and always kept us in the loop. From the first meeting, I knew he was someone we could trust for straight-forward advice. He listened to our needs, gave us direction when we were uncertain, and walked us through each step of the process. We couldn’t be happier!

• Daniela Cardili

Get To Know

Your Loan Officer

USA Realty & Financial Consultants is here to help you today with your VA Loans. We are going to make sure we provide you with the lowest rates for VA Loans. Our Process is quick and easy and can be even done through our website. We are the trusted source by 100 of different customers here in the San Diego area.

See How Much Your Rate Would Be Today

Learn More About Your Downpayment For Conventional Loans


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Certain closing costs with Conventional Loans


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Learn More About Your Mortgage Limits


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Get Your Conventional Loan Approved Today


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WHAT IS A CONVENTIONAL HOME LOAN?

A conventional home loan is not guaranteed by any government organization, including the Federal Housing Administration (FHA) or the Department of Veterans Affairs (VA).

CONVENTIONAL 97

The Conventional 97 home loan program is available to all United States homeowners via Fannie Mae and Freddie Mac.

The Conventional 97 is a 3% down payment mortgage program. The 3% down payment may come as a gift to many new homebuyers. It’s more aggressive than the FHA’s benchmark mortgage product because the guidelines are a bit simpler and less restrictive.

CONFORMING LOAN LIMITS

The Federal Housing Finance Agency (FHFA) announced that in most of the United States, the 2019 maximum conforming loan limit for one-unit properties will be $484,350, an increase from $453,100 (which is what it was in 2018). The government considers 234 areas high-cost nationwide, including New York City, Los Angeles, and the San Francisco-San Jose-Oakland region.

If you have any questions about Conventional Loans, contact USAFC Realty.

Your next home is waiting for you!

More Loan

Products

FHA

Loans

Please feel free to find out more about FHA Loans.
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VA

Loans

Please feel free to find out more about Conventional Loans.
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Non-Traditional

Loans

Please feel free to find out more about Non-Traditional Loans.
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Jumbo

Loans

Please feel free to find out more about Jumbo Loans.
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This information is deemed reliable but not guaranteed.You should rely on this information only to decide whether or not to further investigate a particular property. BEFORE MAKING ANY OTHER DECISION,YOU SHOULD PERSONALLY INVESTIGATE THE FACTS (eg square ft & lot size) with the assistance of an appropriate professional.You may use this information only to identify properties you may be interested in investigating further.All uses except for personal, noncommercial use in accordance with the foregoing purpose are prohibited.Redistribution or copying of this information,any photographs or video tours is strictly prohibited.This information is derived from the Internet Data Exchange (IDX) service provided by San Diego MLS.Displayed property listings may be held by a brokerage firm other than the broker and/or agent responsible for this display.The information,any photos and video tours and the compilation from which they are derived is protected by copyright.Compilation ©2020 San Diego MLS & CRMLS.
Real Estate IDX Powered by iHomefinder
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This information is deemed reliable but not guaranteed. You should rely on this information only to decide whether or not to further investigate a particular property. BEFORE MAKING ANY OTHER DECISION, YOU SHOULD PERSONALLY INVESTIGATE THE FACTS (e.g. square footage and lot size) with the assistance of an appropriate professional. You may use this information only to identify properties you may be interested in investigating further. All uses except for personal, non-commercial use in accordance with the foregoing purpose are prohibited. Redistribution or copying of this information, any photographs or video tours is strictly prohibited. This information is derived from the Internet Data Exchange (IDX) service provided by San Diego MLS. Displayed property listings may be held by a brokerage firm other than the broker and/or agent responsible for this display. The information and any photographs and video tours and the compilation from which they are derived is protected by copyright. Compilation © 2020 San Diego MLS.
©2020 CRMLS. All rights reserved. Some listings on this website are from CRMLS as of San Diego MLS data last updated at January 24, 2020 11:32 AM PT The information being provided is for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
San Diego MLS data last updated at January 24, 2020 11:32 AM PT
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