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A large share of the city sits on Agua Caliente lease land, and lenders want the remaining term to outlast the loan.
Explore mortgage options in Palm Springs, Riverside County, California. Compare 25+ loan programs including conventional, FHA, VA, jumbo, and investment property financing. Homebuyers can also explore options available in nearby Desert Hot Springs, Cathedral City, and Rancho Mirage. Get personalized rates and expert guidance from SRK CAPITAL's local mortgage team.
Mid-century stock, fee land and lease land
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Movie Colony north of downtown is where the studio crowd built
Racquet Club Estates fills the north end with Alexander homes
* 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.
Homebuyers in Palm Springs weigh loan programs, neighborhood pricing, and lender fit before locking a rate.
As one of the communities that make up Riverside County in Southern California, Palm Springs moves with county-wide lending trends while keeping its own inventory and pricing rhythm.
Palm Springs buyers choose among conventional, FHA, VA, and jumbo paths — each with its own down-payment floor, credit expectations, and county loan limits.
Palm Springs borrowers frequently compare options against nearby communities such as Desert Hot Springs, Cathedral City, Rancho Mirage.
Homes are listing around $437 per square foot.
Properties are spending about 84 days on market.
There are roughly 725 active listings available.
Updated 9/8/2026
Riverside Ca Palm Springs is updated daily with practical mortgage guidance for this page.