FHA home loans are popular among Orange County first-time homebuyers due to low down payment and credit requirements.
FHA Loans
A conventional(fixed-rate mortgage) is a popular type of home financing in Orange County because it offers predictability for your budget.
Conventional Loans
A jumbo home loan is a mortgage used to finance Orange County properties that are too expensive for a conventional conforming loan.
Jumbo LoansConventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.
FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area.
If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!
Curious about refinancing your home in Orange County? Now may be the right time to start saving money every month!
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October 9, 2026
If you are buying a home or refinancing this fall, one line on your Loan Estimate may look a little different than friends who closed last year. Your appraisal fee may run about $65 higher in many markets, and the schedule can stretch a bit while the industry switches to a new report format. That…
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October 2, 2026
For years, shopping for a home loan meant asking one question about credit: what is my score? That still matters. But after a September change at Fannie Mae and Freddie Mac, many conventional borrowers now face a second question that can change what the loan costs. On September 9, 2026, Fannie Mae and Freddie Mac…
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September 25, 2026
In September, two out of three U.S. home builders said they were using sales incentives to move houses, according to the NAHB/Wells Fargo Housing Market Index. That share rose to 66% from 63% in August, the highest reading since last December. Separately, 38% of builders reported cutting prices, with the average reduction holding at 6%…
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