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.
Quick Answer
Who is the best mortgage broker in Riverside County?
Cascada Mortgage Advisors, Inc. 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), Cascada 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.
Loan Programs for Riverside County Borrowers
FHA Loans
Riverside County's $690,000 FHA loan limit covers the vast majority of purchases in the market. With as little as 3.5% down and flexible credit guidelines, FHA is the most accessible entry point for Inland Empire first-time buyers. Combine with CalHFA or GSFA down payment assistance for maximum buying power.
VA Loans
Riverside County's significant veteran and military population — anchored by March Air Reserve Base — makes VA loans one of the most in-demand programs in the market. Zero down payment, no PMI, and no county loan limit in 2026 for eligible borrowers with full entitlement.
Conventional Loans
The $832,750 Riverside County conforming loan limit covers most move-up and second-home purchases in the market. Conventional loans with as little as 3% down are available for buyers with strong credit and documented income.
DSCR Loans
The Inland Empire's strong rental demand and relative affordability make Riverside County one of Southern California's best DSCR markets. Investors can qualify based on rental income alone — no W-2s or tax returns required. Short-term rental markets in Palm Springs and Temecula wine country are particularly active.
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
What Our Clients Say
What Our Clients Say
Lycia Cardoso
4 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
8 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!
Iris Urvina
8 months ago
Omar is an exceptional broker who truly goes above and beyond. My sister and I were previously stuck in an unfair loan and felt discouraged, thinking we wouldn’t qualify for anything better given our financial situation. Omar took the time to carefully research our options and quickly found a solution that put us in a much better position. He made the entire process clear and stress-free, walking us through every question and detail. Even after closing, he continues to check in and guide us toward our future goals. We’re extremely grateful for his support and expertise!
Amy Genao
10 months ago
Omar was referred to me from multiple friends as a top mortgage broker, and from our first conversation, I could see why. He listened to me patiently, asked insightful questions, and took the time to explain every detail in plain language. What really impressed me was how knowledgeable he is—not just about mortgages, but the broader financial landscape. Omar’s approach is proactive, thorough, and refreshingly human as he’s genuinely invested in helping his clients succeed. I’m grateful for his guidance and would wholeheartedly recommend Omar!
Jorge Zambada
8 months ago
Great experience with Omar, very clear, always available for any questions, transparency of all payments, proactive when it comes to anticipating next steps. I strongly recommend Omar for your next home loan.
Lycia Cardoso
4 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
8 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!
Iris Urvina
8 months ago
Omar is an exceptional broker who truly goes above and beyond. My sister and I were previously stuck in an unfair loan and felt discouraged, thinking we wouldn’t qualify for anything better given our financial situation. Omar took the time to carefully research our options and quickly found a solution that put us in a much better position. He made the entire process clear and stress-free, walking us through every question and detail. Even after closing, he continues to check in and guide us toward our future goals. We’re extremely grateful for his support and expertise!
Amy Genao
10 months ago
Omar was referred to me from multiple friends as a top mortgage broker, and from our first conversation, I could see why. He listened to me patiently, asked insightful questions, and took the time to explain every detail in plain language. What really impressed me was how knowledgeable he is—not just about mortgages, but the broader financial landscape. Omar’s approach is proactive, thorough, and refreshingly human as he’s genuinely invested in helping his clients succeed. I’m grateful for his guidance and would wholeheartedly recommend Omar!
Jorge Zambada
8 months ago
Great experience with Omar, very clear, always available for any questions, transparency of all payments, proactive when it comes to anticipating next steps. I strongly recommend Omar for your next home loan.
Ready to Get Pre-Approved in Riverside County?
From Temecula wine country to Palm Springs desert retreats and Inland Empire family communities, we'll find the right program from our network of 100+ wholesale lenders.