Orange County Mortgage and Home Buyer Info

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Orange County Mortgage and Home Buyer Info

Looking for home financing info in Orange? We’ve got you covered! Whether you’re a first time home buyer in Orange, or looking for the best rate to refinance, we’ll make the effort to ensure you have all the necessary home loan information.

In a matter of days we were approved for an FHA loan
Luckily we found Julie
I’ve used Julie’s services twice
Julie was a breath of fresh air. She’s smart, experienced, easy to communicate with
My hubby and I worked with Julie to purchase our first home and it was awesome
THANK YOU JULIE AND TEAM for everything!
Julie is a ROCKSTAR!!!

Looking for mortgage info in Orange County? We’ve got your back!

Take a look at our simple eval flow where you can select whether you want to: get real rates specific for your scenario (beware of teaser rates!), see how much you qualify for, get pre-approved, or quickly submit your contact info so we can get back in touch.

Why Does Finding A Great Orange County Mortgage Company Matter?

If you are a first-time homebuyer, you may not understand all that goes into securing a new home loan. A lot depends on detailed local knowledge that loan officers on the other side of the country will never get.

Mortgage brokers in Orange County will have a much better feel of the local market, and that will matter throughout the process. Orange County mortgages and loans can get quite complex with the types of properties and land that Orange County has to offer. However, part of being a great mortgage broker is understanding the programs and the information that is out there at the time.

Many small decisions can be made throughout the application so that a lender gives you the best possible rate and chance of an on time closing. We get it…we lived off of Bear Flag Poke and El Toro Bravo carnitas in our early twenties…and bopped around different Irvine Company “luxury” apartments while taking classes at OCC.

Trust us on this one; if you plan on getting that boat with a slip at Balboa Marina, you want to find a lender that’s gonna keep your mortgage rates low and your stress level lower (because those boats are legit luxury!).

Our advice is always free so don’t hesitate to contact us. Whether it’s a purchase, rate and term refi, or pulling cash out, just give us a call and we’ll point you in the right direction even if it means you are better off working with someone else!

The bottom line is when you are making a home purchase, you don’t want to be the one doing the nitty gritty research on HOA CC&Rs or occupancy. You also won’t want a national company that knows nothing about Orange County, California, trying to navigate it for the first time with your new home on the line. Let us help with the mortgage. Instead you start shopping for that perfect outdoor fire table for your new patio…or (better yet) a styling new captain’s hat for that boat.

Getting The Best Orange County Mortgage Rate Doesn’t Mean You Sacrifice Service, Speed, or Reliability

Ok rate matters. Your monthly payment (thus your overall home affordability) will be determined, in large part, by that rate. We’ve got hundreds of loan programs from dozens of banks so we usually have an option that will beat the rest so let’s talk about it!

Most mortgage companies in Orange County only have access to one mortgage lenders. We pride ourselves on the variety of options we can give every borrower even if their loan scenario isn’t the most conventional. We actually have an mortgage expert that’s 100% dedicated to the more unique loan scenarios that might involve self employed buyers, stated income loans, interest only loans etc. These are extremely common in the OC so don’t give up if you think there’s not a mortgage option for your situation. Try us!

We always remind people that it’s not 100% about the rate. Service, speed, and reliability also matter a LOT. In a competitive housing market like Orange County, some real estate agents can pick and choose which offers to take based on the escrow period…and the getting the home loan is usually the longest part of that period. So speed can be more important than rate IF it means the difference between getting the house you want. Same for reliability: the best rate in the world doesn’t matter if the loan officer can’t reliably close the deal.

Another thing: mortgages get a bad rap for being time-consuming and exhausting but with the technology we use, it’s just not true. You can do the whole process online and we keep you updated every step of the way. Don’t want to  That’s why mortgage brokers can offer their service to help you secure a loan and search for companies that will get you the best rates possible.

What If I Want To Refinance In Orange County, CA?

Our clients are continually shocked at how much a home refinance can save them. We’re talkin “boat money” here. Ok for many it’s a small boat, but a boat’s a boat, right?!

On the mortgage broker side, we’re shocked by how many people are in a position to refi and capture these savings but just don’t. Add this money up year after year, and you will see that the decision not to refinance is not a very smart financial move.

And it’s just as important for your lender to have local knowledge for refinances. We provide the experience of a local company, and the best rates in California, so we can help you make a refinance decision that makes a lot of financial sense for you and your family.

What To Look For In Orange County Mortgage Companies?

Chances are you are pretty distracted with ummm life, and the thought of going through a mortgage broker selection process seems too overwhelming. We get that, and we wanted to give you the answers to the test. Here are three things to look for when you need a mortgage broker in Orange County.


Professionals answer their phone when you call, not just the first time but the fourth and the fourteenth time. The mortgage process takes a dedication to customer service; there is no way around it. If we didn’t love to help our clients, we would not be mortgage brokers.

Great mortgage brokers follow up; they work when you need their help, and they always have your best interest at heart. Buying a home is usually the biggest purchase of your life, and having a mortgage broker that truly wants to help and offer their service will make you feel much more secure about this process. If you don’t want to take our word for it, look at the hundreds of five-star ratings we have been collecting.


On the topic of reviews, looking through the reviews for a mortgage company is a great way to see if they have direct knowledge in the type of loan that you are after.

Once you have reduced the list you can narrow the scope further by taking a few calls with Orange County brokers and loan officers to ask them some questions that focus on your exact scenario. Ask away and also assess them for all these other characteristics! If you decide that we are in your short list, feel free to ask all the questions you want because we are happy to share some free and friendly advice just to help.


After all this is a financial transaction right? Rate, fees, and your time spent are all important in the selection process. Time spent doesn’t get nearly enough focus in this decision so make sure to evaluate it. Are you looking for an online process? Do you sometimes want to speak to someone familiar with your loan on the phone? Are you looking for clear updates on the progress of the loan so you don’t need to hunt through emails or start making calls? Yes we got you covered…and btw with hundreds of loan products we’ll go head to head with any other mortgage broker on rate and fees too.

What Does Orange County California Have To Offer?

Enough about mortgages and home loans; let’s get into a bit more about Orange County and why you would want to live here. Clearly, you aren’t moving here because of our great Orange Country mortgage company (Although you could!).

Let’s take a bit of a deeper look to find out what makes this area of California so appealing for professionals, families, retirees, and young people buying a home for the first time.


Are you surprised that the beaches are at the top of our list? It’s hard not to talk about beaches when you live in Orange county. Perhaps one of California’s best areas to live if you love to spend some time at the beach. Regardless of if your home is on the beach or if you have several miles to drive, you won’t be far from some ocean waves while living in Orange County.

Outdoor Activities

The beach counts as an outdoor activity, but luckily it’s not the only outdoor activity in this area. Locally people will enjoy biking, hiking, sightseeing, parks, and more. There are tons of outdoor eateries and scenic overlooks. Whatever type of experience you want to have in Orange County, it is there for the taking.

Great Food

Sure, you may want to cook in your brand new Orange County home, but chances are when you check out the food scene, you will also want to eat out. There are restaurants for every taste and budget as well. Whether you are dining out with clients or want to take your kids to an eatery on the water, Orange County will have an experience that will work for you.

Downtown Locations

One of our favorite things about Orange County is all of the different downtown areas that you will find. This is part of what makes the real estate market so unique in this area. You can ask any mortgage company in Orange County, and they will tell you the importance of knowing the local area and the different neighborhoods. Each of the neighborhoods and downtowns has its own unique feel, and you will want to make sure that it is the proper fit for you before securing your new mortgage.


California is filled with attractions. Chances are when you first make your home purchase; you will probably want to stay home and experience life in your new living quarters. However, after a bit of time, a day out is going to be the best thing for you. Between Disneyland and Knotts Berry Farm, you can pack quite a bit of fun into a day in the Orange County area.

The Arts

Always take a closer look at communities that offer programs and opportunities for artists. If people in the general area care about art, whether it be painting, sculpture, or music, you know they have a great love for their community as well. Orange County is known for having strong ties to the arts, and if you enjoy a day at the theater or listening to a symphony, you will find that Orange County will fulfill your needs.


If you are from California, this is probably not news to you, but the weather in Orange County comes free with your mortgage loan. It’s something we like to throw in for any of our clients that secure their home loans using our programs.

In all seriousness, the weather in Orange County is going to be hard to beat. You will find that the nearly 300 days of sunshine and the near-perfect temperatures will very likely make you a happier person. We know it has worked for us. In fact, we consider ourselves the happiest mortgage broker Orange County has to offer!

…and with the OC, there’s much more beneath the surface

  • No Orange County doesn’t count as “LA”. Yes Orange County is actually more than McMansions and TV shows brought to life. Orange County has a uniquely Californian story that is beautifully diverse. Sure there’s a lot of beige (in parts), but don’t let it fool you. There’s tons of character and charm beneath the monochromatic communities…not to mention some of the most beautiful landscapes in California.
  • Last year, the median home sale price in Orange County was $700,000. That’s pretty stable when compared with the previous year…but it varies by neighborhood.
  • We’re happy to help with all kinds of real estate and home financing questions in Orange County, as well as, surrounding areas like Aliso Viejo, Anaheim, Brea, Buena Park, Corona Del Mar, Costa Mesa, Cypress, Dana Point, Irvine, Foothill Ranch, Fountain Valley, Fullerton, Garden Grove, Huntington Beach, Irvine, Ladera Ranch, Laguna Beach, Laguna Niguel, Lake Forest, Los Alamitos, Mission Viejo, Newport Beach, Placentia, Rancho Santa Margarita, San Clemente, San Juan Capistrano, Santa Ana, Seal Beach, Sunset Beach, Trabuco Canyon, Tustin, Westminster, Yorba Linda.

About Us

We’ve been in the home lending business since 2002 (24/7/365 baby!) and we’re so proud to provide our services to those looking for home loans in Orange County and nearby areas.

Why Choose Us? Our 200+ Five Star reviews on Google, Facebook, Yelp, and Zillow speak for themselves, but if you’re still unsure, know this:

We know how important a loan is when finding a new home.

…and whether you’re a first time home buyer requiring a mortgage lender licensed in Orange County, or you’re researching the best rates to refinance, we’ll take the time to make sure you have the best home loan information REGARDLESS of whether you choose our mortgage services.

We’re redesigning the whole home finance process to be simple, clear, and specific for your* financial needs
We pull off mortgage miracles every day using a mix of technology (for speed) and loan experts (for smarts). We have access to hundreds of loan programs that we automagically match to your situation so we can find the best interest rate for you. Even though, we’ve built our entire process online, you can always get a loan officer on the phone when you need to.

Also, I gotta give a shout out to my fave OC spot that you might find me and the team at when we’re not at the office. Love. It.