How fast can I get pre-approved with an Irvine mortgage broker?

Most pre-approvals are issued within 24 hours of the first call, with no credit pull required for an initial rate quote.

Irvine, CA Mortgage Broker

Mortgage Broker in Irvine, CA

Q: What does a mortgage broker do that a bank doesn't?

A bank offers its own products at its own retail price. A mortgage broker submits one application to many wholesale lenders and lets them compete, then brings you the winning combination of rate, fees, and program. You get choice and wholesale pricing instead of a single quote.

One application. 20+ wholesale lenders competing for your loan. OnPoint Mortgage Pro is an independent Irvine mortgage broker that shops conventional, FHA, VA, jumbo, and non-QM programs to find your lowest all-in cost — not whatever rate a single bank happens to offer that day. See today's Irvine mortgage rates.

Today's 30-Yr Conv 5.99% / 6.1% APR

Get Pre-Approved → Call (877) 870-0007

Top 20 LendersRecognized wholesale partner

5.0★ ratedGoogle, Yelp & Zillow

9 statesLicensed · NMLS #2134550

Irvine, CA homebuyers working with a local mortgage broker

★ 5.0 on Google, Yelp & Zillow | A+ BBB Accredited | Top 20 Lenders | Licensed in 9 States · NMLS #2134550 | Irvine, CA Office

Today's Irvine Mortgage Rates: National Average vs OnPoint

National retail averages versus OnPoint's posted wholesale rates. These numbers update automatically — the OnPoint column syncs from our daily rates page and national averages come live from Mortgage News Daily. No stale numbers to chase.

Loan Type	National Avg	OnPoint Rate	OnPoint APR
30 Yr. Fixed (Conventional)	6.67%	5.875%	6.1%
30 Yr. FHA (Purchase)	6.22%	5.49%	6.4%
30 Yr. VA (Purchase)	6.24%	5.49%	5.8%
30 Yr. Jumbo	6.75%	5.99%	6.2%

National averages from Mortgage News Daily. OnPoint posted rates auto-synced from our rates page. Rates illustrative based on 740 FICO, 70% LTV. Your actual rate is priced individually.

Why Irvine Homebuyers Choose OnPoint

A broker works for you, not a single bank. Here's what that means in practice.

🎯

20+ Lenders, One Application

We submit once and let wholesale lenders compete. You see the winning option, not a single retail price.

🤝

Personalized Service

A dedicated Irvine loan officer from first call to closing — not a 1-800 queue or a rotating cast of reps.

📋

Every Loan Program

Conventional, FHA, VA, jumbo, HELOC, and non-QM (bank-statement, DSCR, ITIN) all under one roof.

⚡

Streamlined Process

Pre-approval in 24 hours, digital document upload, and a single point of contact who keeps your file moving.

💰

Competitive Wholesale Rates

Broker pricing is wholesale, not retail. That delta is what you save every month for the life of the loan.

🛡

Customer Commitment

5.0★ across Google, Yelp, and Zillow and A+ BBB accreditation — earned one closing at a time.

Loan Programs We Broker in Irvine

Whatever your scenario, there's a program — and a wholesale lender who prices it well.

3% Down · 620 FICO

Conventional

The most common mortgage. Lowest rates for strong credit, PMI drops automatically at 80% equity.

Explore conventional →

3.5% Down · 580 FICO

FHA

Low down payment and flexible credit. Ideal for first-time Irvine buyers building toward conventional.

Explore FHA →

0% Down · No PMI

VA

For veterans and active-duty service members — zero down, no monthly mortgage insurance.

Explore VA →

Above $1,249,125

Jumbo

For Irvine purchases above the Orange County high-cost conforming ceiling. Bank-statement income welcome.

Explore jumbo →

Bank Stmt · DSCR · ITIN

Non-QM

For self-employed, investor, and foreign-national borrowers who don't fit the standard W-2 box.

Explore non-QM →

Tap Your Equity

HELOC & Home Equity

Pull cash from your Irvine home's equity for renovations, consolidation, or investment.

Explore equity →

Built for the Irvine & Orange County Market

Irvine is Orange County's premier master-planned market, and its price points shape which loans make sense. We know the local lay of the land — and which wholesale lenders price it best.

2026 Conforming Ceiling

$1,249,125

Orange County high-cost limit — above this, you're in jumbo territory.

Self-Employed Friendly

Bank Stmt

Tech, medical, and business-owner income placed with the right non-QM lender.

Local Office

Irvine, CA

530 Technology Dr, Suite 100 — call ahead and we'll have your loan officer ready.

What Irvine Clients Say

Verified 5.0★ reviews from real OnPoint borrowers.

      EXCELLENT  
   Based on 80 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   NANA AMMA SERWAA BRONI 
 
 
 
 Trustindex verifies that the original source of the review is Google. If you like your current lender isn’t working hard for you, call Victor.I spent seven months shopping around and was nervous about making a move, but Victor’s transparency and expertise won me over. While other leaders tried to push me into paying expensive points,Victor showed me why keeping my money and not buying down the rate was the much smaller move, He took my payment form $3,302 down to $2,966 and handled all the complex FHA and Virginia State fees over $3,300 in lender credits to cover my closing costs.The level of service and honest advice here is night and day compared to the big banks. I finally feel like I have a mortgage pro I can trust.
  
 
      Posted on Google  
   
   ron caringal 
 
 
 
 Trustindex verifies that the original source of the review is Google. Updated 060526: I can’t recommend Victor's team enough! They managed to lower my interest rate by a full 2% and consolidated my high interest debts into one manageable payment. This move alone is saving me $830 every single month. On top of that, they secured $5,000 in lender credits, which covered all my closing fees and even left an excess to apply toward my prepaid interest. If you want a mortgage professional who actually delivers on their promises, call Victor. Previous 12/2024: Victor was easy to deal with. He made the effort to exhaust all possible means for him to meet my target loan amount given the predicament.
  
 
      Posted on Google  
   
   Rubab Anees 
 
 
 
 Trustindex verifies that the original source of the review is Google. We did FHA streamline refinance with Victor and It was an awesome experience working with him.. Process was smooth and fast! Victor is knowledgeable and very professional. Our team to go for all future needs👍🏻 I can’t recommend Victor enough. He helped us navigate a refinance that lowered our interest rate from 7.125% to 5.875% in record time. Seeing our monthly payment drop by $528 is a huge relief for our family budget. Victor is professional, transparent, and clearly knows how to get the best results for his clients. We are so grateful for his help!
  
 
      Posted on Google  
   
   Jordan Hill 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had a great experience refinancing my home and highly recommend working with Victor. The entire process was smooth, efficient, and completed much faster than I expected. They were communicative, transparent, and made sure I understood each step along the way. I was able to secure a lower rate and reduce my monthly payment, which made a meaningful difference. What really stood out was the level of professionalism and how easy they made everything from start to finish. I also appreciate that they continue to monitor rates and stay in touch even after closing. If you’re thinking about refinancing, you’ll be in good hands here!
  
 
      Posted on Google  
   
   Joanna O 
 
 
 
 Trustindex verifies that the original source of the review is Google. We had an excellent experience working with Victor Santos at OnPoint Mortgage in Irvine, California for our second mortgage loan. If you’re looking for someone who is knowledgeable, efficient, and highly responsive, Victor is the person to trust. From start to finish, the entire loan process was smooth and stress-free. Victor was always quick to respond, kept us updated every step of the way, and made sure we fully understood everything. His expertise in mortgage lending really shows, and it gave us a lot of confidence throughout the process. What really stood out was how he went above and beyond, he even communicated directly with our HOA to gather all the required documents, which saved us so much time and hassle. On top of that, Victor is friendly, professional, and easy to work with. We’re truly grateful for his help and would highly recommend Victor Santos and OnPoint Mortgage to anyone in Irvine or Orange County looking for a reliable and efficient mortgage lender, especially for second mortgage or home loan needs.
  
 
      Posted on Google  
   
   Ernest Butch Benares 
 
 
 
 Trustindex verifies that the original source of the review is Google. I’m a returning customer with OnPoint Mortgage Pro, and once again they delivered an outstanding experience. Victor helped me in the past, and because that process was smooth and professional, I didn’t hesitate to work with him again. This loan came at the perfect time for my wife and me. With unexpected expenses, inflation, and credit card interest rates climbing like crazy, we needed a real solution. I’m genuinely happy with the rate Victor secured for us. It allows us to pay off all our outstanding credit cards and finally get ahead instead of falling behind. It truly feels like we’re getting our financial footing back. Victor handled everything with transparency, patience, and expertise. He made the entire process easy to understand and completely stress‑free. His professionalism and attention to detail are exactly why I trust him and his company with something this important. If you’re looking for a lender you can trust, someone who genuinely looks out for your best interest, I highly recommend Victor and the team at OnPoint Mortgage Pro.
  
 
      Posted on Google  
   
   Joyce Halim 
 
 
 
 Trustindex verifies that the original source of the review is Google. Victor is really a great guy. He helped me patiently step by step through the process of my refinance. Highly recommended. Thank you so much ☺️ Update: I'm so happy that Victor helped me again with my refinance. And this is my third times, from the original 8.125% down to 5.75% smoothly. Wohoo....couldn't be more happier than that 😊....He is truly the guy that I can trust, rely on and do the magic. Highly recommended. Thanks for the experienced.....and we will still work again in the future. 😊
  
 
      Posted on Google  
   
   eunice chun 
 
 
 
 Trustindex verifies that the original source of the review is Google. We refinanced twice with Victor. He was so professional and very helpful throughout our loan process. Highly recommended!
  
 
      Posted on Google  
   
   Rachel Turner 
 
 
 
 Trustindex verifies that the original source of the review is Google. Victor Santos was very professional, quick to respond, and easy to work with. The process was seamless and we would highly recommend Victor to work with for any financing or refinancing needs. This is the third time we have used Victor because of his kind, exceptional customer service, and the ease of communication.  Such an easy process!
  
 
      Posted on Google  
   
   Nick Tyndal 
 
 
 
 Trustindex verifies that the original source of the review is Google. Very friendly and quick on communication. Understood my needs and worked diligently until they were achieved. Would highly recommend and plan to use OnPoint again in the future.

Irvine Mortgage Broker FAQ

The questions Irvine buyers and homeowners ask us most.

What does a mortgage broker do that a bank doesn't?

A bank offers you its own products at its own retail price. As a broker, OnPoint submits one application to 20+ wholesale lenders and lets them compete, then brings you the winning combination of rate, fees, and program. You get choice and wholesale pricing instead of a single take-it-or-leave-it quote.

Is using an Irvine mortgage broker more expensive?

No. Broker pricing comes from the wholesale side of lenders, which is typically lower than their retail/consumer-direct pricing. Our compensation is disclosed up front and built into the rate — there's no premium for the extra shopping we do on your behalf.

How fast can I get pre-approved?

Most pre-approvals are issued within 24 hours of your first call, with no credit pull required for an initial rate quote. Once you're ready to move, a full pre-approval letter gives you a competitive edge on Irvine and Orange County offers.

What loan amount do I need before a jumbo loan kicks in for Irvine?

Orange County's 2026 high-cost conforming ceiling is $1,249,125 for a single-family home. Loan amounts above that are jumbo (non-conforming). We broker both, and for many Irvine buyers we can structure financing right at or above the ceiling depending on the scenario.

Do you work with self-employed Irvine borrowers?

Routinely. Irvine has a high concentration of self-employed professionals and business owners. We place bank-statement, P&L, and DSCR (non-QM) loans with lenders that underwrite real-world income rather than just W-2s — without forcing you into a one-size-fits-all box.

Will contacting you affect my credit?

No. Initial conversations, scenario quotes, and rate ballparks happen with zero credit impact and no obligation. A credit pull only happens once you decide to formally apply — and we confirm in writing before pulling.

Get Your Irvine Mortgage Quote in 24 Hours

Free analysis from a licensed Irvine mortgage broker. No credit pull on the first call. Rate comparison from 20+ wholesale lenders.

Get My Irvine Quote Email a Loan Officer

☎ (877) 870-0007

Irvine office: (949) 486-8200

Mon-Fri 8am-5pm PT · Licensed in 9 states · NMLS #2134550

Terms & Conditions: Rates and pricing shown are illustrative based on a 740 FICO, 70% loan-to-value, single-family primary residence, 30-year fixed. National averages are sourced from Mortgage News Daily and OnPoint posted rates sync from our rates page; both update automatically and may differ from a rate you are quoted at lock. Your actual rate depends on credit profile, debt-to-income, property type, occupancy, loan amount, and market conditions. APR includes estimated closing costs for comparison. The 2026 Orange County high-cost conforming limit is $1,249,125. Subject to credit and program approval. OnPoint Mortgage Pro is a licensed mortgage broker serving Irvine, CA and licensed in 9 states; NMLS #2134550. Equal Housing Lender.