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Southern California · CaliforniaMortgage lender in Riverside County, CA
Yes. Stellar Mortgage Corporation, NMLS #2190975, is licensed in California and makes purchase and refinance loans in Riverside County: conventional, FHA, VA, USDA, jumbo and non-QM. Steve Umansky, NMLS #61764, is our licensed loan officer for California. For 2026 the one-unit conforming loan limit here is $832,750 and the FHA limit is $690,000.
Reviewed by Steve Umansky, Sr. Branch Manager, NMLS #61764,
Buying in Riverside County
Riverside County, with its county seat in Riverside, also takes in Moreno Valley, Corona, Temecula, Murrieta, Menifee, Indio and Palm Springs. Riverside County files are handled by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in California, from our Southampton, PA office.
- 2026 conforming limit
- $832,750
- 2026 FHA limit
- $690,000 (one-unit, set by HUD)
- Above the conforming limit
- Jumbo pricing
- Closing commonly handled by
- escrow and title company
- State housing agency
- California Housing Finance Agency (CalHFA) (general information; not a participating lender)
- Your officer
- Steve Umansky, NMLS #61764
2026 limits for a one-unit property. Riverside County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.
Riverside County: new tracts, the desert and March Air Reserve Base
The western county, from Corona and Eastvale to Menifee, Temecula and Murrieta, is where much of Southern California’s new construction is. New tracts usually carry a special tax and association dues, and a builder purchase means matching the rate lock to the completion date. March Air Reserve Base brings VA-eligible buyers to Moreno Valley and Riverside.
The Coachella Valley is different. In Palm Springs and nearby cities many homes sit on leased land rather than land you own, which changes the loan and has to be identified early. Many desert purchases are second homes, and a second home, a rental and a primary residence are three different loans.
Riverside County by the numbers
- Median home value
- $557,300 (Census Bureau, ACS 2020–2024, table B25077)
- Typical property tax
- About 0.78% of home value a year: median tax bill $4,348 on a median value of $557,300 (Census Bureau, ACS 2020–2024, table B25103)
- Transfer tax
- County documentary transfer tax of 55 cents per $500 of the price; some cities add their own (California Revenue and Taxation Code § 11911)
- Largest communities
- Riverside, Moreno Valley, Corona, Murrieta (Census Bureau, ACS 2020–2024, table B01003)
The county median home value is $557,300. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $690,000.
Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.
Closing and programs in California
Closings in California are typically handled by an escrow and title company. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the California page. Property taxes are set locally; we take the figure from the tax record for the address.
Questions Riverside County buyers ask
Does Stellar Mortgage lend in Riverside County, CA?
Yes. Stellar Mortgage Corporation, NMLS #2190975, is licensed in California and makes purchase and refinance loans in Riverside County: conventional, FHA, VA, USDA, jumbo and non-QM. Steve Umansky, NMLS #61764, is our licensed loan officer for California and works California files from our Southampton, PA office by phone, secure portal and e-signature.
What are the 2026 loan limits in Riverside County?
For 2026 the conforming loan limit for a one-unit home in Riverside County is $832,750 and the FHA limit is $690,000. Riverside County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Limits for two- to four-unit properties are higher.
Is there down payment help for buyers in Riverside County?
The California Housing Finance Agency (CalHFA) runs California’s homebuyer programs, which can include help with the down payment and closing costs for buyers who meet its income and price limits. Stellar Mortgage is not a participating lender for those programs, so this is general information; the agency’s website lists participating lenders.
Who pays the transfer tax in Riverside County?
Counties may charge 55 cents per $500 of the price, and many cities add their own transfer tax, so the total depends on the city. The statute does not assign the cost to the buyer or the seller; the purchase contract decides.
California notice. Loans made or arranged pursuant to a California Financing Law license. Stellar Mortgage Corporation, NMLS #2190975.
Limits shown are the 2026 FHFA and HUD figures for Riverside County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.
Get pre-approved in Riverside County
Three quick steps, about a minute. No Social Security number, no pay stubs. Steve calls you back, usually the same business day.
Equal Housing Lender · NMLS #2190975 4.94★ · 1,361 verified reviews on Experience.com
“You were always professional, responsive, patient, and helpful, and you made what could have been a stressful process feel smooth and easy.”Yelda A., North Wales, PA · verified review on Experience.com
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