Los Angeles Mortgage Broker
Mike Stanley is a licensed California real estate broker and independent loan broker. On an LA-sized loan, the lender you choose is worth real money — so he puts dozens of them in competition for yours.
Apply Now Call (817) 455-8864Big loans magnify small differences in rate
Los Angeles is one of the most expensive housing markets in the country, and that changes the math. A fraction of a percent that barely registers on a modest loan becomes a substantial monthly difference on an LA mortgage — and you carry it for as long as you hold the loan.
That is why taking your bank’s first quote is an expensive habit here. As an independent broker, Mike collects competing offers and lays them out side by side — rate, closing costs, and the actual monthly payment — so you can see what each lender really costs you. The consultation and quote are free, and our mortgage FAQ covers the common questions.
2026 loan limits in Los Angeles County
Los Angeles is a federally designated high-cost area, so its limits are far above the national baseline:
Conforming (conventional) limit
The high-cost ceiling — 50% above the $832,750 baseline that applies in most of the country, including all of Texas.
FHA limit
LA’s FHA ceiling matches the conforming limit, so FHA financing reaches far higher here than most buyers assume.
Above the limit?
Above roughly $1.25 million you are into jumbo territory, common across the Westside and the hillside neighborhoods. Mike shops those lenders the same way.
Limits shown for one-unit properties in Los Angeles County for 2026. Multi-unit limits are higher, and neighboring counties can differ — ask Mike about your specific address.
Why the loan limit matters more than the label
Many Los Angeles buyers assume a home over a million dollars automatically means a jumbo loan and a harder approval. In LA County that is often wrong — conventional and even FHA financing stretch to nearly $1.25 million, and those loans generally price better and approve more predictably than jumbo.
Staying under the ceiling can change your terms
A purchase that lands just above the limit and one that lands just below can be two different loans with two different rates. Knowing where that line sits before you write an offer — and structuring the down payment around it — is one of the more useful things a broker does for an LA buyer.
Loans across Los Angeles
Mike arranges the full range of loan programs for LA borrowers: home purchase and refinance, FHA and VA loans, first-time homebuyer programs, jumbo financing, loans on duplexes and small multi-family properties, construction and renovation lending, commercial real estate, and working capital for local businesses.
Serving Los Angeles County
Licensed in California as a real estate broker and loan broker, Mike works with borrowers across Los Angeles, Pasadena, Glendale, Burbank, Santa Monica, Long Beach, Torrance, and the San Fernando and San Gabriel valleys — and you work directly with Mike at every step, not a national call center.
Mike also works with borrowers in Orange County, the Inland Empire, and San Diego.
Get your free Los Angeles rate quote
Find out what lenders will actually compete to offer you — and whether your purchase fits under the county limit. Call (817) 455-8864, reach us through our contact page, or start your application online.
Apply Now