All California Mortgage Rates & Cities
Irvine Mortgage Broker
Irvine, California Mortgage Rates & Broker Services
Buying or refinancing in We compare rates from 20+ wholesale lenders to find your lowest rate. Local CA expertise, Orange County knowledge, pre-approval in 24 hours.
$1,249,1252026 conforming limit (High-Cost Ceiling)
CA licensedNMLS #2134550
24 hrsPre-approval turnaround
20+ lendersShopped for your file
Irvine Mortgage Quick Facts
Orange County qualifies for the FHFA high-cost conforming ceiling. Here's the snapshot of the Irvine, CA mortgage market.
$1,249,125
2026 Conforming Limit
(High-Cost Ceiling)
(High-Cost Ceiling)
$1.4M
Median Home Price
(Irvine Metro)
(Irvine Metro)
310K
Population
(Irvine)
(Irvine)
9 states
Where OnPoint is Licensed
(incl. California)
(incl. California)
Calculate Your Irvine Mortgage Payment
Defaults reflect a typical Irvine scenario. Switch loan type, set your credit score, adjust the price, or open the advanced section for taxes and insurance.
Estimate only. Conventional PMI uses Enact BPMI rates (standard coverage, primary-residence purchase) and varies by credit score, LTV, and loan term; FHA shows 0.55% annual MIP, VA has none. Your actual rate and mortgage insurance are priced individually. See full California rate comparison →
Why Use a Mortgage Broker in Irvine
Irvine is Orange County's premier master-planned market with a $1,249,125 high-cost conforming ceiling. Many Irvine buyers use jumbo loans above that ceiling with bank statement income (for self-employed tech and medical professionals) or full-doc conventional.
Local CA Knowledge
Orange County conforming limits, California-specific programs (DPA, USDA where applicable), and lender preferences for local property types.
20+ Wholesale Lenders
We shop your specific file across 20+ wholesale lenders to find the lowest rate that actually closes — not a teaser quote.
24-Hour Pre-Approval
Real pre-approval letter in 24 hours so you can submit competitive offers in the Irvine market without delay.
Loan Programs Available in Irvine
Every loan type used in the Irvine, CA market — we match your file to the lender and program with the best pricing for your scenario.
Conventional
Standard Fannie/Freddie loans for buyers with 3-20% down and 620+ FICO.
Learn more →Jumbo
Loans above the conforming limit, priced separately by wholesale lenders.
Learn more →Non-QM
Bank Statement, DSCR, ITIN, and other alternative-doc programs.
Learn more →VA
Zero down for veterans and active-duty service members. No PMI ever.
Learn more →HELOC
Tap your home equity without touching your first mortgage rate.
Learn more →
Free · 24-Hour Turnaround
Get Your Irvine Mortgage Quote
A licensed California loan specialist will call within 24 hours with rate pricing matched to your file. No credit pull on the first call.
Got it. We’ll be in touch within 24 hours.
A California loan specialist will call you with pricing matched to your file.
☎ (877) 870-0007The Irvine Pre-Approval Process
Three steps to pre-approved and offer-ready.
1
Quote Request
Free analysis. No credit pull on the first call. We confirm your Irvine scenario and target rate.
2
Pre-Approval
24-hour turnaround with a real pre-approval letter you can submit with offers in the Irvine market.
3
Close in 21-30 Days
Standard close timing for most Irvine purchase loans. Refi typically 21-35 days.
Irvine Mortgage FAQ
What's the 2026 conforming loan limit in
Irvine is in Orange County, which falls under the High-Cost Ceiling conforming tier at $1,249,125. Loans above that amount are jumbo and priced separately by wholesale lenders.
Is OnPoint Mortgage Pro licensed in
Yes. OnPoint Mortgage Pro is licensed across all of California — NMLS #2134550. We close loans in Irvine and every other major metro in the state. Our state-wide California mortgage page covers conforming limits county by county, state-specific DPA programs, and the cities we close in most often.
How fast can I close a mortgage in
Purchase loans in Irvine typically close in 21-30 days. Refinances (especially FHA Streamline and VA IRRRL) close in 14-21 days. We coordinate with Irvine-area title companies and appraisers to keep timelines tight.
Do you offer VA loans in
Yes. We close VA loans across California for active-duty service members, veterans, and surviving spouses. See our VA loan guide for current rates, eligibility, and the IRRRL streamline refinance program.
What's the minimum down payment for a Irvine mortgage?
VA: 0% down for eligible veterans. FHA: 3.5% with 580+ FICO. Conventional: 3% for first-time buyers, 5% standard. Non-QM and DSCR programs vary. We model all options at quote time for your Irvine scenario.
Continue Browsing California Mortgages
Irvine is one of many California markets we close in. Compare rates state-wide or jump to a nearby city.
Serving Every Corner of Irvine
From the Great Park to the Spectrum to UCI, OnPoint Mortgage Pro helps Irvine homeowners across the city.
What Irvine Clients Say
Verified 5-star reviews from real OnPoint Mortgage Pro clients, pulled live from Google.
Meet Your Mortgage Specialist
20+ years originating mortgages across every loan type, licensed since 2005. Same person from quote through closing.
Victor Santos
SENIOR LOAN OFFICER · NMLS #888844
Victor entered mortgage in 2002 as a loan processor and has been writing loans as a licensed LO since 2005. He shops your file across 20+ wholesale lenders, including specialists for every loan type. He'll match you to the right program and the right lender, not just the first one that says yes.
Experience: 20+ yrs originating (LO since 2005)
Personal NMLS: #888844
Company NMLS: #2134550
Licensed in: CA, CO, FL, ID, MD, NH, SC, TX, VA
Get Your Irvine Mortgage Quote in 24 Hours
Free analysis from a licensed California mortgage specialist. No credit pull on the first call. Rate comparison from 20+ wholesale lenders.
☎ (877) 870-0007Mon-Fri 8am-5pm PT · Licensed in 9 states · NMLS #2134550
Terms & Conditions: Irvine mortgage rates and program availability shown are illustrative. Actual rate depends on credit profile, debt-to-income, property type, occupancy, loan amount, and current market conditions at lock time. Irvine is in Orange County, California, with a 2026 conforming loan limit of $1,249,125 (High-Cost Ceiling). Loans above that are jumbo and priced separately. Subject to credit and program approval. OnPoint Mortgage Pro is a licensed mortgage broker; NMLS #2134550. Equal Housing Lender.