[quote=jpinpb]SDR – good to know about FHA and only 620 score. But nevertheless, there is a cap on how much of a loan you can get w/FHA. [/quote]

Only a problem in the high end inventory.

FHA limits in San Diego County are around $685K, so pretty much everything in the low and mid range inventory qualifies.

They do, however, enforce reasonably conservative limits on your income (31/43 DTI ratios are their standard, although with someone with substantial reserves it can go a bit higher), so you’d need about 200K of provable income to qualify for their max.