Orange County Mortgage Broker — Wholesale Rates | Options Home Loans
Orange County · Local Garden Grove Office
Orange County Mortgage Broker | Wholesale Rates | Options Home Loans
Quick Answer — Orange County Mortgage Facts (2026)
- OC conforming limit: $806,500 — loans above this are jumbo
- OC median home price: $900K–$1.1M depending on city
- Jumbo loans: 10% down available up to $2M for qualified buyers
- VA loans: 0% down, no PMI for eligible veterans — no loan limit with full entitlement
- FHA loans: 3.5% down up to $806,500 — ideal for Anaheim, Fullerton, Garden Grove
- Wholesale lenders: 40+ active — rates typically lower than retail banks
$806,500
OC Conforming Limit
$3M+
Jumbo Up To
40+
Wholesale Lenders
Same Day
Pre-Approval
Orange County Mortgage Rate Snapshot — July 2026
Indicative wholesale rates for well-qualified Orange County borrowers. Actual rates depend on credit score, LTV, loan amount, property type, and lock period. Rates change daily.
| Loan Program | Rate | APR |
|---|---|---|
| 30-Year Fixed (Conforming) | 6.875% | 6.94% |
| 15-Year Fixed (Conforming) | 6.125% | 6.21% |
| Jumbo 30-Year Fixed | 7.125% | 7.19% |
| Jumbo 10% Down | 7.250% | 7.33% |
| VA 30-Year Fixed | 6.375% | 6.44% |
| Bank Statement (Non-QM) | 7.500% | 7.62% |
Rates as of July 2026. Not a commitment to lend. All loans subject to credit approval, underwriting, and program availability. APR includes estimated fees.
Orange County Home Prices by City (2026)
Irvine
$1.1M
Planned communities, top schools
Newport Beach
$2.5M+
Coastal luxury, jumbo specialist
Huntington Bch
$1.0M
Surf City, beach lifestyle
Mission Viejo
$900K
Master-planned, family-friendly
Anaheim
$750K
Entry-level, FHA-friendly
Yorba Linda
$950K
Equestrian, hillside estates
Laguna Niguel
$1.0M
South OC, resort lifestyle
Fullerton
$750K
College town, diverse housing
Orange County Mortgage Market Overview
Orange County is one of the most desirable — and most expensive — real estate markets in Southern California. With 34 cities ranging from entry-level Anaheim to ultra-luxury Newport Beach, OC buyers need a mortgage broker who understands the full spectrum of programs. Options Home Loans is headquartered in Garden Grove, in the heart of Orange County, and serves buyers throughout all OC cities and communities.
Orange County Loan Limits and Jumbo Programs (2026)
The 2026 conforming loan limit for Orange County is $806,500. Given OC's median home price of $900,000–$1.1M, many buyers need jumbo financing. Options Home Loans offers jumbo loan programs from $806,501 to $3 million+ with competitive rates, 10% down options, and flexible underwriting for self-employed borrowers. For buyers targeting more affordable OC communities (Anaheim, Santa Ana, Garden Grove), conforming and FHA loans cover most purchases.
Orange County Real Estate Trends 2026
Orange County's real estate market remains supply-constrained and highly competitive. Inventory is historically low, particularly in master-planned communities like Irvine, Mission Viejo, and Ladera Ranch. Multiple-offer situations are common in the $700,000–$1.2M range. Coastal communities (Newport Beach, Laguna Beach, Dana Point) continue to see strong demand from high-net-worth buyers. The OC market rewards buyers who are fully pre-approved and can move quickly — Options Home Loans specializes in same-day pre-approvals.
Wholesale Rates from 40+ Lenders — Why It Matters in OC
As a wholesale mortgage broker, Options Home Loans accesses rates from 40+ lenders that are typically lower than what retail banks offer. In Orange County's high-price market, even a 0.25% rate difference on a $900,000 loan saves approximately $135/month — $48,600 over 30 years. We do not charge origination fees or buy-down costs that inflate the effective rate. Our pricing is transparent: the rate you see is the rate you get.
FHA Loans in Orange County — 3.5% Down
FHA loans are available in Orange County up to the $806,500 limit, making them suitable for condos, townhomes, and single-family homes in more affordable OC cities. FHA requires 3.5% down with 580+ credit and allows gift funds. For first-time buyers in Anaheim, Fullerton, Garden Grove, and Santa Ana, FHA loans provide an accessible path to homeownership. CalHFA down payment assistance can be layered on top of FHA to reduce out-of-pocket costs further.
VA Loans in Orange County
Orange County has a significant veteran and active duty military population, particularly near MCAS El Toro (now Great Park) and the surrounding communities. VA loans offer OC veterans zero down payment, no PMI, and competitive rates. With full VA entitlement, there is no loan limit — you can purchase any OC home with zero down. Options Home Loans specializes in VA loans throughout Orange County, including Irvine, Tustin, Lake Forest, and Mission Viejo.
Orange County Cities We Serve
Options Home Loans serves buyers throughout Orange County: North OC (Anaheim, Fullerton, Brea, Yorba Linda, Placentia, Orange), Central OC (Irvine, Santa Ana, Costa Mesa, Tustin, Garden Grove), South OC (Mission Viejo, Laguna Niguel, Aliso Viejo, Rancho Santa Margarita, San Clemente, Dana Point, Laguna Beach), and Coastal OC (Newport Beach, Huntington Beach, Seal Beach, Laguna Hills). We also serve the Inland Empire communities bordering OC.
Our Orange County Office
Options Home Loans
12900 Garden Grove Blvd, Ste 136
Garden Grove, CA 92843
NMLS #2221613 · Licensed in CA, CO, FL, WA
Orange County Mortgage FAQs
Orange County · Local Garden Grove Office
Get Your Orange County Mortgage Quote
Same-day response · No credit pull · NMLS #2221613
Written & reviewed by Kevin P. Vu
Licensed Mortgage Broker · NMLS #2221613 · Headquartered in Orange County since 2018
Editorial standards
Rate data updated monthly. Loan limits sourced from FHFA 2026 announcements. Content reviewed for accuracy before publication.
Not a commitment to lend. All loans subject to credit approval, underwriting, property review, and program availability. Rates shown are indicative and subject to change without notice. Options Home Loans LLC · NMLS #2221613 · Equal Housing Opportunity · Licensed in CA, CO, FL, WA.