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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!


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


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.


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!

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