Irvine, CA Mortgage Broker
Mortgage Broker in Irvine, CA
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.
Today's 30-Yr Conv
5.99%
/ 6.1% APR
Top 20 LendersRecognized wholesale partner
5.0★ ratedGoogle, Yelp & Zillow
9 statesLicensed · NMLS #2134550
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.
Conventional
The most common mortgage. Lowest rates for strong credit, PMI drops automatically at 80% equity.
Explore conventional →FHA
Low down payment and flexible credit. Ideal for first-time Irvine buyers building toward conventional.
Explore FHA →VA
For veterans and active-duty service members — zero down, no monthly mortgage insurance.
Explore VA →Jumbo
For Irvine purchases above the Orange County high-cost conforming ceiling. Bank-statement income welcome.
Explore jumbo →Non-QM
For self-employed, investor, and foreign-national borrowers who don't fit the standard W-2 box.
Explore non-QM →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
Self-Employed Friendly
Bank Stmt
Local Office
Irvine, CA
What Irvine Clients Say
Verified 5.0★ reviews from real OnPoint borrowers.
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.
☎ (877) 870-0007Irvine 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.