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In SoCal, the best loans for borrowers with low down payments are often FHA loans, or VA loans. If you are the spouse of a military service member or veteran, or an active duty military service member, or a veteran, VA loans are available for some borrowers with no money down. But civilians have great options as well. Some conventional loans are available with as little as 3% down, and some FHA loans are available with as little as 3.5% down. It’s important to note that very specific requirements will need to be met to secure these low down payments. They are typically available to borrowers with excellent credit, and secure income. Speak with a top Southern California mortgage broker to learn more about your unique options.