In a market where many loans are jumbo or high-balance, the lender you choose can change your rate and down payment significantly. We compare 40+ lenders for Orange County buyers and homeowners.
Orange County has the highest limit allowed in the continental U.S.: $1,249,125 for a one-unit home in 2026, for both conforming and FHA loans. Keeping your loan at or under that line with a larger down payment can sometimes cost less than a jumbo — we'll run both.
Jumbo guidelines differ a lot between lenders: reserves, down payment, and how they treat self-employed income. That's where a broker helps most. Business owners can also look at bank-statement loans that qualify on deposits instead of tax returns.
We also help OC homeowners refinance or tap equity for renovations, and investors finance rentals with DSCR loans.
One-unit home
Loans between $832,750 and $1,249,125 are high-balance conforming loans. Above that is a jumbo loan. Sources: FHFA and HUD.
Financing above conforming limits, simplified.
Flexible, popular financing for qualified buyers.
Self-employed financing using deposits — not tax returns.
Lower your rate, tap equity, or change terms.
Investor financing based on rental income, not personal income.
Zero down for those who served.
$1,249,125 for a one-unit home — the high-cost ceiling. The FHA limit is the same.
It varies by lender and loan size — often 10–20%, sometimes less. Reserves and credit matter too. We'll match you with lenders whose rules fit your situation.
Free quote, no credit pull, no obligation. We respond within one business day.