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15 Years Of Conventional Loan Experience In San Diego


Scott helped me with my loan. He worked so hard for me, much like figuring  out the house figuring out the loan was no easier. He worked many late nights for me and was always around to answer my questions. I could text or call him after 5pm and had 99% chance of getting a response.”

  • Anonymous

“Scott makes obtaining a loan painless. So efficient, knowledgeable and professional. Always a pleasure to work with. He is always available to answer any questions we may have.”

  • Pam B.

Wenhe Mortgage made the whole experience painless.  We started this process with another entity, it was frustrating so we stopped. So incredibly thrilled with Scott and his staff of caring, detail oriented people.  Will use them again for the next adventure in mortgages.

  • Maria W.

“We recently purchased our first home working with both Pam and Scott. Truthfully, we could not have been more pleased with both of them! Our purchase was not an easy one being a short sale, and they worked for us 24/7. Communication is a big issue with me and they passed that test with flying  colors. Any issue I had day or night they responded very timely, usually within 5mins! From before the initial offer to after close of escrow, they were simply the best. I cannot stress how pleased we were to work with these two, and would not hesitate to recommend this team to anyone (and have!). Thanks again you two!

  • Lisa R.

Get To Know

Pam and Scott Wenhe

Wenhe Mortgage & Realty is committed to providing clients and realtors with the highest quality financial services combined with the lowest rates and fastest turn times available in California. Wenhe Mortgage and Realty is the trusted source for California homebuyer’s and homeowner’s real estate transactions. We work with the leading lenders in the industry to provide you the most aggressive rates available. Pam and Scott have more than 20 years of experience within the loan and real estate industry.

  • Conventional Loan Experts
  • 5 Star Rating on Zillow & Yelp
  • Trusted Lender For 20+ Years
  • We Provide Great Service, Low Rates & Lifelong Relationships


Learn About Your Down payment For Conventional Loans

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Get Informed About Closing Costs And Further Loan Costs

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Learn More About Your Mortgage Limits and Interest Rates

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Get Your Conventional Loan Approved Today

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Definition of A Conventional

Home Loan

A conventional home loan is not guaranteed by any government organization, including the Federal Housing Administration (FHA) or the Department of Veterans Affairs (VA).


The Conventional 97 home loan program is available to all United States homeowners via Fannie Mae and Freddie Mac.

The Conventional 97 is a 3% down payment mortgage program. The 3% down payment may come as a gift to many new homebuyers. It’s more aggressive than the FHA’s benchmark mortgage product because the guidelines are a bit simpler and less restrictive.

What Are the Loan


The Federal Housing Finance Agency (FHFA) announced that in most of the United States, the 2019 maximum conforming loan limit for one-unit properties will be $484,350, an increase from $453,100 (which is what it was in 2018). The government considers 234 areas high-cost nationwide, including New York City, Los Angeles, and the San Francisco-San Jose-Oakland region.

If you have any questions about Conventional Loans, contact USAFC Realty.

Your next home is waiting for you!





Loan Products

All Loans

Please feel free to reach out to me if you have further questions in regards to my Loan Options.
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VA Loans

Have A Look At VA Loans.
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FHA Loans

Have A Look At FHA Loans.
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