Home loans · Georgia & California

Conventional and jumbo loans

The standard way to finance a home: loans that follow Fannie Mae and Freddie Mac guidelines up to the conforming limit, and jumbo loans above it. For a primary home, a second home or an investment property.

Get pre-approved Call 626.702.1888

Who it’s for

Buyers with W-2 or well-documented income
Primary homes, second homes and investment properties
Higher-priced homes that need a jumbo loan, common in California and north Fulton
Homeowners refinancing an existing conventional loan

How it works

A conventional loan is not backed by a government agency. In 2026 a loan up to $832,750 for a one-unit home, or up to $1,249,125 in high-cost counties, is a conforming loan that can be sold to Fannie Mae or Freddie Mac. Above that it is a jumbo loan, with its own guidelines.

With a smaller down payment you may pay private mortgage insurance (PMI). Unlike some government loans, PMI on a conventional loan can be removed once you have enough equity.

You can compare fixed and adjustable rates, temporary or permanent rate buydowns, and, for eligible loans, an appraisal waiver.

Good to know

FHA and VA loans are also available for buyers who qualify.

A pre-approval based on your documents is much stronger in an offer than a quick prequalification.

Get started

Ask about conventional and jumbo loans

Share a few details and I will call you within one business day. This form is not a loan application and does not affect your credit. Please do not include your Social Security number or any documents here.

扫码加微信，中文咨询贷款Or call 626.702.1888, or email zion.chen@orangepathfinancial.com

Other loan programs

All home loans →

DSCR loans for investorsQualify on the property's rent, not your personal income.Learn more →Self-employed and alternative-income loansBank statement, P&L, 1099 and VOE loans when tax returns don't show your real income.Learn more →Foreign national and ITIN loansFor buyers without a Social Security number, overseas investors and many visa types.Learn more →HELOC and cash-out refinanceTurn home equity into cash and keep your current low rate.Learn more →Commercial loansBuy or refinance warehouses, offices, retail, multifamily and hotels.Learn more →

Long (Zion) Chen, NMLS #2869394, licensed mortgage loan originator in Georgia (MLO License #2869394) and California (DFPI MLO License CA-DFPI2869394), sponsored by OrangePath Financial Inc., NMLS #2070941. This is not a commitment to lend. All loans are subject to credit approval and underwriting; terms, programs and eligibility are subject to lender approval, and not all programs are available in every state. OrangePath Financial Inc., NMLS #2070941, 3635 Peachtree Industrial Blvd, Ste 250, Duluth, GA 30096, is an Equal Housing Lender. Georgia Residential Mortgage Licensee #2070941. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, #60DBO-149772. NMLS Consumer Access