Providing direct residential mortgage solutions across Orange County, from master-planned communities in Irvine to coastal properties in Newport Beach and suburban South County.
Serving Irvine, Anaheim, Santa Ana, Huntington Beach, Newport Beach, Costa Mesa, Fullerton, Orange, Mission Viejo, and surrounding communities.
Statutory Verification: Designated federal high-cost area at the maximum statutory conforming and FHA ceiling ($1,249,125). (Source: 2026 FHFA Conforming & HUD FHA limits) Federal baseline conforming limit is $832,750; maximum high-cost ceiling is $1,249,125. VA financing provides 0% down with full entitlement without statutory county loan caps.
Explore primary purchase, refinancing, and equity loan programs with direct underwriting support.
Competitive 30-year and 15-year fixed-rate financing for purchase and refinancing throughout California.
Government-backed financing featuring flexible credit criteria and low 3.5% down payment options.
Zero down payment mortgage options and no monthly PMI for California active-duty military and eligible veterans.
Financing for California luxury and high-cost properties exceeding baseline FHFA conforming limits.
Rate-and-term and cash-out refinancing options to lower monthly payments or access property equity.
Access accumulated home equity for renovations, investments, or liquidity without altering your primary rate.
Dedicated guidance, down payment education, and streamlined pre-approvals for new California homebuyers.
Model estimated monthly principal, interest, taxes, and insurance payments for California properties.
Common home financing questions for borrowers in Orange County, California.
Yes. LoanPlace serves buyers and homeowners throughout Orange County with conventional, jumbo, FHA, VA, and home equity programs.
Because of local property values, high-balance conforming and private jumbo loans are the most common purchase instruments, alongside HELOCs for renovation and liquidity.
LoanPlace offers competitive jumbo loan programs for high-value properties across Orange County, with fixed-rate and adjustable-rate financing options.
All applicable property taxes, local assessments, and community fees are factored into the estimated monthly housing payment during the mortgage application process.
LoanPlace provides localized mortgage originations, jumbo financing, and refinancing throughout Orange County.
Get pre-approved online or speak directly with our Beverly Hills lending team. Transparent rates, zero origination surprises, and direct California loan officers.