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
Orange County Home Prices & Loan Landscape — 2026
Orange County is one of California’s largest and most diverse housing markets — ranging from starter condos in Anaheim to $10M+ estates in Newport Beach and Laguna Beach. With a 2026 conforming limit of $1,209,750, many OC buyers can access conventional financing even at the county’s higher price points.
| City / Area | Median Home Price (2026) | Typical Loan Amount | Loan Type |
|---|---|---|---|
| Newport Beach | $3,500,000+ | $2,800,000+ | Jumbo / Super Jumbo |
| Laguna Beach | $2,800,000 | $2,240,000 | Jumbo |
| Irvine | $1,500,000 | $1,200,000 | Conforming / Jumbo |
| Mission Viejo / Lake Forest | $950,000 | $760,000 | Conforming |
| Anaheim / Fullerton | $800,000 | $640,000 | Conforming |
| Santa Ana / Garden Grove | $700,000 | $560,000 | Conforming / FHA |
Frequently Asked Questions — Orange County Mortgage
What is the conforming loan limit in Orange County in 2026?
Orange County’s 2026 conforming loan limit is $1,209,750 for a single-family home — the highest tier in California, shared with Los Angeles, San Francisco, and other high-cost counties. This means buyers in cities like Irvine, Anaheim, Mission Viejo, and most of coastal OC can use conventional Fannie Mae financing at full county limits.
Do I need a jumbo loan to buy in Orange County?
Not necessarily. With a $1,209,750 conforming limit, buyers purchasing homes under that price — which includes most of inland Orange County — can use conventional financing. However, coastal cities like Newport Beach, Laguna Beach, and Monarch Beach regularly see home prices of $2M–$5M+, which will require jumbo financing.
What down payment do I need to buy a home in Orange County?
For conforming loans (under $1,209,750), as little as 3% down is available with strong credit. For jumbo loans in Newport Beach or Laguna Beach where prices exceed $2M, 10–20% down is standard. On a $2,000,000 purchase that’s $200,000–$400,000. Sellers in OC’s competitive coastal markets often favor buyers with larger down payments.
Are there first-time buyer programs in Orange County?
Yes. CalHFA’s MyHome Assistance Program offers down payment help up to 3.5% of the purchase price. CalHFA’s Dream For All shared appreciation program provides up to 20% down payment and closing cost assistance (income and price limits apply). OC buyers also have access to USDA loans in eligible outer-county areas. DiVita Home Finance will match you with the most advantageous program for your situation.
About DiVita Home Finance
DiVita Home Finance is a small, family-owned mortgage company based in Marin County, California. When you call, you speak directly with Michael DiVita — the owner — not a call center, not an out-of-state rep, not someone reading from a script. We’re here for a low-key, no-obligation conversation about your situation.
We take your privacy seriously. We will never sell your information to third-party lenders or lead generation companies — unlike many of the large mortgage platforms. Your inquiry stays with us, period.
📞 Call: (800) 239-1103 | 💬 Text Michael directly: (310) 849-9124
