Riverside County · Inland Empire, CA

    Riverside County Mortgage BrokerFHA, VA & Inland Empire Home Loans

    Serving homebuyers, veterans, and investors throughout Riverside County and the Inland Empire with FHA, VA, conventional, and DSCR loan programs — access to 100+ wholesale lenders, competitive rates, and 15+ years of Southern California expertise.

    (619) 370-0889

    Quick Answer

    Who is the best mortgage broker in Riverside County?

    Cascada Mortgage Advisors, Inc. (NMLS #2470941, CA DRE #02206556) is a licensed mortgage broker serving all of Riverside County, California — including Temecula, Murrieta, Corona, Riverside, Moreno Valley, Palm Springs, and the Inland Empire. Founded by Omar Michel (NMLS #398944, CA DRE #02131389), the firm arranges home loans through a network of 100+ wholesale lenders — not as a direct lender. Riverside County's 2026 conforming loan limit is $832,750 and the FHA loan limit is $690,000 for a single-family home. With a median home price of approximately $575,000 — significantly lower than neighboring Orange County and Los Angeles — Riverside County offers some of the most accessible homeownership opportunities in Southern California, making FHA and VA loans the dominant purchase products in the market.

    — Cascada Mortgage Advisors, Inc.

    The Riverside County Mortgage Market in 2026

    • Median home price: approximately $575,000 — significantly lower than neighboring Orange County and Los Angeles County (21st Century Lending / Aditya Choksi, 2026).
    • 2026 conforming loan limit: $832,750 for a single-family home (FHFA).
    • 2026 FHA loan limit: $690,000 for a single-family home (Community First Mortgage, 2026).
    • The FHA loan limit covers the vast majority of Riverside County purchases, making FHA one of the most commonly used programs in the market.
    • California VA loans have no county loan limit in 2026 for eligible borrowers with full entitlement.
    • Riverside County income limits for CalHFA down payment assistance: approximately $178,800 for a family of 4 (2026).
    • Down payment assistance programs available: CalHFA MyHome, GSFA Platinum, and the City of Riverside HomeStarter program (deferred loan, no monthly payments during ownership).
    • Riverside County is a top destination for first-time buyers priced out of coastal LA, OC, and San Diego markets.
    • March Air Reserve Base drives significant veteran and military family demand throughout the county.
    • The Inland Empire (Riverside + San Bernardino counties) is one of California's fastest-growing regions with strong rental demand supporting DSCR investor activity.

    Market data sourced from FHFA, HUD, Community First Mortgage, and 21st Century Lending as of 2026.

    Riverside County Communities We Serve

    Temecula / Murrieta

    Southwest Riverside County's most active market. Strong VA and FHA demand from military families near Camp Pendleton and March ARB. See our dedicated Temecula mortgage page for more. Visit the Temecula & Murrieta page →

    Corona

    Riverside County's most populous city, offering a mix of suburban single-family homes with strong conventional and FHA loan demand from families commuting to OC and LA.

    Riverside

    The county seat and Inland Empire's largest city. Strong FHA and down payment assistance demand, with the City of Riverside's own HomeStarter DPA program available to qualifying buyers.

    Moreno Valley

    One of the Inland Empire's most affordable markets — strong FHA and first-time buyer program demand from buyers priced out of coastal California.

    Palm Springs / Palm Desert / Rancho Mirage

    The Coachella Valley's luxury desert market. Strong DSCR demand from short-term rental investors and jumbo financing for high-end resort properties.

    Hemet / San Jacinto

    Riverside County's most affordable communities — strong FHA and VA demand from first-time buyers and veterans seeking maximum buying power.

    Menifee

    One of California's fastest-growing cities. Strong conventional and FHA demand from families relocating from coastal markets seeking newer construction and top-rated schools.

    Beaumont / Banning

    Affordable Inland Empire entry points with strong FHA and first-time buyer demand from buyers priced out of Corona and Temecula.

    Riverside County Mortgage FAQs

    The 2026 FHA loan limit for Riverside County is $690,000 for a single-family home, set by HUD. This covers the vast majority of home purchases in markets like Riverside, Moreno Valley, Hemet, and Menifee. In Temecula and Murrieta, where home prices hover around $800,000, buyers whose loan exceeds $690,000 may consider conventional financing up to the $832,750 Riverside County conforming limit, or VA financing if eligible.

    The 2026 conforming loan limit for Riverside County is $832,750 for a single-family home, set by the Federal Housing Finance Agency (FHFA). Loans above this amount are classified as jumbo loans and require non-conforming financing. Riverside County's lower conforming limit compared to coastal counties reflects the county's more affordable median home prices.

    Yes. Several down payment assistance programs are available to Riverside County homebuyers in 2026, including CalHFA MyHome (statewide deferred payment loan), GSFA Platinum (grant up to 5% of the purchase price), and the City of Riverside's HomeStarter program (deferred loan funded by federal CDBG and HOME funds for city-limit purchases). Income limits for Riverside County DPA programs are approximately $178,800 for a family of 4. These programs can be layered with FHA financing for maximum buying power.

    Yes. VA loans are available throughout Riverside County for eligible veterans, active duty service members, and surviving spouses. In 2026, California VA loans have no county loan limit for eligible borrowers with full entitlement — meaning veterans can purchase above the $832,750 conforming limit with zero down payment. Riverside County's proximity to March Air Reserve Base makes VA loans one of the most in-demand programs in the market.

    Yes. Cascada Mortgage Advisors, Inc. (CA DRE #02206556, NMLS #2470941), headquartered in San Diego and licensed throughout California, serves homebuyers, veterans, and investors across all of Riverside County — including Temecula, Murrieta, Corona, Riverside, Moreno Valley, Palm Springs, Menifee, and the broader Inland Empire. Broker Omar Michel (NMLS #398944, CA DRE #02131389) specializes in FHA, VA, conventional, and DSCR loan programs for Riverside County borrowers.

    What Our Clients Say

    What Our Clients Say

    5.0 from 32 Google reviews
    Kensuke Yamamoto

    Kensuke Yamamoto

    a month ago

    This was my second time working with Omar, and once again, he exceeded my expectations. I chose to work with him again because of the excellent experience I had the first time, and he continued to deliver outstanding service. From start to finish, Omar was incredibly responsive, professional, and easy to work with. Whenever I had a question, he replied quickly and always took the time to make sure I fully understood the answer. What really sets Omar apart is how well he guides his clients through the mortgage process. He clearly explained each step, kept me informed about what to expect next, and made sure I always knew where we were in the process. Buying or refinancing a home can be overwhelming, but Omar made everything feel smooth, organized, and stress-free. He was also very efficient and kept everything moving forward without unnecessary delays. I truly appreciated his patience, attention to detail, and commitment to providing exceptional customer service. It’s rare to find someone who is not only knowledgeable and efficient but also genuinely cares about making the experience as easy as possible for their clients. That’s why I came back to Omar a second time, and I wouldn’t hesitate to recommend him to anyone looking for a trustworthy, responsive, and dedicated mortgage broker. Thank you again, Omar, for another outstanding experience!

    Levi Renninger

    Levi Renninger

    a month ago

    Omar is the best and most dynamic mortgage broker in San Diego. He is highly knowledgeable, honest, and responsive. He truly always keeps his client's best interest in mind and continues to advocate for them throughout the process. After 18 months of looking for a refinance with > 4 different brokerage firms, Omar was the one to finally get the job done. He was able to use his network of banks to find the right match for me to refinance my mortgage despite the HOA having outstanding repairs necessary to balconies, which had been blocking me and anyone in my community from refinancing for the past 1.5 years. He is very personable and goes above and beyond, often answering outside of typical work hours which was never expected but appreciated. We secured a great loan for myself that almost sounded too good to be true, but with no catches. When interest rates drop 1% whether it is in 1 year or 10 years, Omar will be the first person I contact!

    Diane Flood

    Diane Flood

    a month ago

    Omar is one of the nicest men I have ever encountered. He is very respectful and is always there for me, even on weekends he will return my calls. I know I should not call him during the weekends, but he always makes everything easier on me when I am in a panic for whatever situation I am in. He makes everything 100% better. When I first got my reverse mortgage, Omar was on top of each and every detail and solved all my requests and concerns. He definitely knows how to sooth one's mind while in a panic. He always does for me. I highly recommend Omar as an advisor. Thank you, Omar you are, the best indeed. Fondly, Diane F.

    Lycia Rios

    Lycia Rios

    6 months ago

    We had an excellent experience working with Omar for our HELOAN to secure the down payment on our second home. From start to finish, he demonstrated incredible knowledge and experience in navigating the lending process. He took the time to explain every detail clearly, answered all of our questions, and made sure we fully understood our options. What truly stood out was how committed he was to acting in our best interest as borrowers. He carefully evaluated different scenarios to ensure we were making the smartest financial decision for our family. We never felt rushed or pressured — just genuinely supported. On top of his professionalism, he is friendly, approachable, and easy to communicate with, which made what could have been a stressful process feel smooth and manageable. We are so grateful for his guidance and highly recommend him to anyone looking for a knowledgeable and trustworthy mortgage professional!

    Patrick Yrigoyen

    Patrick Yrigoyen

    10 months ago

    Working with Omar to purchase my first investment property was an absolute pleasure. The entire process was quick and painless, thanks to his professionalism and proactive approach. Omar asked for everything he needed upfront, which eliminated the usual back-and-forth and made the experience incredibly smooth. He kept us informed with timely updates and was always available to answer questions. One standout moment was when Omar flagged a property that was underinsured—his advice helped us avoid potential issues that could have surfaced down the line. That level of diligence and care truly sets him apart. If you're looking for a mortgage broker who is thorough, communicative, and genuinely invested in your success, Omar is the one. Highly recommended!

    Kensuke Yamamoto

    Kensuke Yamamoto

    a month ago

    This was my second time working with Omar, and once again, he exceeded my expectations. I chose to work with him again because of the excellent experience I had the first time, and he continued to deliver outstanding service. From start to finish, Omar was incredibly responsive, professional, and easy to work with. Whenever I had a question, he replied quickly and always took the time to make sure I fully understood the answer. What really sets Omar apart is how well he guides his clients through the mortgage process. He clearly explained each step, kept me informed about what to expect next, and made sure I always knew where we were in the process. Buying or refinancing a home can be overwhelming, but Omar made everything feel smooth, organized, and stress-free. He was also very efficient and kept everything moving forward without unnecessary delays. I truly appreciated his patience, attention to detail, and commitment to providing exceptional customer service. It’s rare to find someone who is not only knowledgeable and efficient but also genuinely cares about making the experience as easy as possible for their clients. That’s why I came back to Omar a second time, and I wouldn’t hesitate to recommend him to anyone looking for a trustworthy, responsive, and dedicated mortgage broker. Thank you again, Omar, for another outstanding experience!

    Levi Renninger

    Levi Renninger

    a month ago

    Omar is the best and most dynamic mortgage broker in San Diego. He is highly knowledgeable, honest, and responsive. He truly always keeps his client's best interest in mind and continues to advocate for them throughout the process. After 18 months of looking for a refinance with > 4 different brokerage firms, Omar was the one to finally get the job done. He was able to use his network of banks to find the right match for me to refinance my mortgage despite the HOA having outstanding repairs necessary to balconies, which had been blocking me and anyone in my community from refinancing for the past 1.5 years. He is very personable and goes above and beyond, often answering outside of typical work hours which was never expected but appreciated. We secured a great loan for myself that almost sounded too good to be true, but with no catches. When interest rates drop 1% whether it is in 1 year or 10 years, Omar will be the first person I contact!

    Diane Flood

    Diane Flood

    a month ago

    Omar is one of the nicest men I have ever encountered. He is very respectful and is always there for me, even on weekends he will return my calls. I know I should not call him during the weekends, but he always makes everything easier on me when I am in a panic for whatever situation I am in. He makes everything 100% better. When I first got my reverse mortgage, Omar was on top of each and every detail and solved all my requests and concerns. He definitely knows how to sooth one's mind while in a panic. He always does for me. I highly recommend Omar as an advisor. Thank you, Omar you are, the best indeed. Fondly, Diane F.

    Lycia Rios

    Lycia Rios

    6 months ago

    We had an excellent experience working with Omar for our HELOAN to secure the down payment on our second home. From start to finish, he demonstrated incredible knowledge and experience in navigating the lending process. He took the time to explain every detail clearly, answered all of our questions, and made sure we fully understood our options. What truly stood out was how committed he was to acting in our best interest as borrowers. He carefully evaluated different scenarios to ensure we were making the smartest financial decision for our family. We never felt rushed or pressured — just genuinely supported. On top of his professionalism, he is friendly, approachable, and easy to communicate with, which made what could have been a stressful process feel smooth and manageable. We are so grateful for his guidance and highly recommend him to anyone looking for a knowledgeable and trustworthy mortgage professional!

    Patrick Yrigoyen

    Patrick Yrigoyen

    10 months ago

    Working with Omar to purchase my first investment property was an absolute pleasure. The entire process was quick and painless, thanks to his professionalism and proactive approach. Omar asked for everything he needed upfront, which eliminated the usual back-and-forth and made the experience incredibly smooth. He kept us informed with timely updates and was always available to answer questions. One standout moment was when Omar flagged a property that was underinsured—his advice helped us avoid potential issues that could have surfaced down the line. That level of diligence and care truly sets him apart. If you're looking for a mortgage broker who is thorough, communicative, and genuinely invested in your success, Omar is the one. Highly recommended!

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    (619) 370-0889

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