Loading
Loading
Imperial was the first town platted in the valley, back in 1901, and it still hosts the county fair and the irrigation district that made the desert farmable.
Explore mortgage options in Imperial, Imperial County, California. Compare 25+ loan programs including conventional, FHA, VA, jumbo, and investment property financing. Get personalized rates and expert guidance from SRK CAPITAL's local mortgage team.
The valley's oldest town, tracked as it moves
Paste a listing URL and get a detailed breakdown of which loan programs fit the property, with payment examples and risk flags.
They are close enough that the difference comes down to the house. We will price both.
The original land company grid still holds Main Street and the oldest houses in the valley.
Streets near the fairgrounds fill every winter when the fair comes in.
Rural houses sit among the farm operations that surround the town on every side.
A neighborhood near the regional airport, with the flight path overhead.
The blocks around the irrigation district offices, where much of the town works.
* Rates shown as of and subject to change without notice.
* Rate scenario based on: $650,000 loan amount, 20% down payment ($812,500 purchase price), 740+ credit score, owner-occupied single-family home, with impounds.
* Your actual rate may vary based on your specific credit profile, loan amount, down payment, and other factors.
* APR fees include: $1,350 lender underwriting fee, $80 lender doc fee, $995 processing fee, $149.50 credit report, and third-party fees (title, escrow, appraisal).
* Contact an SRK CAPITAL loan officer for a personalized rate quote.
NMLS #2043372 | DRE #01961971
Equal Housing Lender | © SRK CAPITAL INC.
In Imperial, the difference between a good mortgage and the right one usually comes down to program fit, pricing, and timing.
Imperial sits in Imperial County, part of Southern California's housing market, where lending activity, housing inventory, and neighborhood price points shift noticeably from one community to the next.
From conventional and FHA to VA and jumbo financing, Imperial borrowers qualify differently under each program's documentation, credit, and loan-limit rules.
Imperial borrowers frequently compare options against nearby communities such as Brawley, Calexico, Calipatria.
Properties are spending about 23 days on market.
There are roughly 76 active listings available.
Updated 9/8/2026
Imperial Ca Imperial is updated daily with practical mortgage guidance for this page.