California
Orange County Mortgage & Refinance Lender
Orange County pairs some of California's highest home values with its top-tier 2026 loan limit, so buyers in Irvine, Anaheim, Huntington Beach and Newport Beach can often avoid jumbo financing entirely. Whether you're buying your first home or refinancing to tap equity, we match you to the right program and move quickly.
2026 loan limits · Orange County
$1,249,125
Conforming (1-unit)
$1,249,125
FHA (1-unit)
Loan amounts above $1,249,125 are financed as jumbo loans, which we also offer.
Programs available here
Areas we serve
Orange County · Anaheim · Irvine · Santa Ana · Huntington Beach · Newport Beach
Frequently asked questions
- What is the 2026 conforming loan limit in Orange County?
- The 2026 one-unit conforming loan limit in Orange County is $1,249,125, the high-cost maximum for California. Amounts above it are financed as jumbo loans.
- Do you offer FHA loans in Orange County?
- Yes — the 2026 FHA limit in Orange County is $1,249,125 for a single-family home, making low-down-payment FHA financing available on most Orange County homes.
- Can first-time buyers get help with a down payment in Orange County?
- Yes. We work with low-down-payment conventional and FHA loans and can walk you through California down-payment-assistance options you may qualify for.
Loan limits shown are the official 2026 FHFA (conforming) and HUD (FHA) one-unit limits for this county, provided for information only — not an offer to lend or a commitment. All loans subject to credit approval. Equal Housing Lender.