DiVita Home Finance provides expert mortgage services throughout Orange County — one of California’s most competitive and desirable real estate markets. From Newport Beach to Anaheim, our California-licensed team delivers fast pre-approvals, competitive rates, and personalized service for buyers and homeowners across the county.
Orange County’s Housing Market in 2026
Orange County remains one of the most sought-after housing markets in the United States. Coastal cities like Newport Beach, Laguna Beach, and Dana Point command premium prices, while inland cities like Irvine, Anaheim, and Fullerton offer relative value in a high-cost market. The county benefits from exceptional schools, low crime rates, world-class beaches, and a diverse economy anchored by technology, healthcare, tourism, and finance.
Loan Programs for Orange County Buyers
- Jumbo Loans — essential for most Orange County purchases; we offer competitive jumbo rates with as little as 10% down
- Conventional Loans — up to $1,209,750 (2026 high-cost conforming limit for Orange County)
- FHA Loans — up to $1,209,750 with 3.5% down; strong option in mid-tier OC markets
- VA Loans — 0% down for eligible veterans; large military and veteran population in South OC
- Bank Statement Loans — for entrepreneurs and self-employed buyers common throughout OC
- Asset Depletion Loans — for high-net-worth buyers with substantial assets
2026 Conforming Loan Limit — Orange County
Orange County is designated a high-cost area. The 2026 conforming loan limit is $1,209,750 — meaning buyers can use conventional or FHA financing up to this amount before crossing into jumbo territory.
Cities We Serve in Orange County
We originate mortgages throughout Orange County including Newport Beach, Laguna Beach, Dana Point, Mission Viejo, San Clemente, Costa Mesa, Fullerton, and Anaheim.
Start Your Orange County Mortgage Pre-Approval
📞 800-239-1103 | NMLS #323700 | California DRE #01818285
