Irvine Mortgage Broker
Competitive mortgage rates for Irvine homebuyers and homeowners. Specializing in HELOC, jumbo loans, and refinancing for University Park, Woodbridge, Northwood, and all Irvine communities. See how Irvine compares to other top Orange County cities in ourIrvine vs Newport Beach guideand Mission Viejo vs Irvine comparison.
$1.2M
Median Home Price
10/10
School Ratings
#1
Safest City in CA
280K+
Population
Irvine Mortgage Lending Programs: HELOC, Refinancing & VA Loans
HELOC for Irvine Homes
Access your home equity for renovations, education, or investment
Jumbo Loans
Financing for Irvine's higher-priced homes above $766,550
Irvine Home Financing by Neighborhood & Community
University Park
Luxury homes near UCI with top schools and family amenities
Woodbridge
Established community with lakes, parks, and excellent schools
Northwood
Family-friendly with newer construction and great amenities
Turtle Rock
Prestigious area with canyon views and luxury properties
Quail Hill
Newer master-planned community with modern homes
Portola Springs
Newer development with family-friendly amenities
Why Irvine Residents Choose Mo Abdel for Home Financing
Access to 200+ lenders through NEXA Mortgage means competitive rates on Irvine's higher-priced homes and jumbo loan amounts.
Understanding of UCI families and professionals who value education. HELOC options for private school tuition and college expenses.
Specialized expertise with Irvine Company properties, HOA requirements, and the unique aspects of master-planned communities.
Irvine Market Expertise
Popular Irvine Programs:
Irvine Mortgage Questions & Expert Answers
What's the average home price in Irvine?
The median home price in Irvine is approximately $1.2M, with variations by neighborhood. University Park and Turtle Rock tend to be higher, while newer developments like Portola Springs may be more accessible.
Do most Irvine homes require jumbo loans?
Yes, many Irvine homes exceed the 2025 conforming loan limit of $1,089,300, requiring jumbo financing. We specialize in competitive jumbo loan rates through our lender network.
Can I use a HELOC for my child's college tuition?
Absolutely! Many Irvine families use HELOCs for education expenses, including UCI tuition, private schools, and out-of-state colleges. HELOC rates are typically lower than student loans.
How does HOA affect my mortgage in Irvine?
Irvine's master-planned communities have HOA fees that lenders include in debt-to-income calculations. We help ensure HOA fees don't prevent qualification and work with Irvine Company requirements.
Ready for Your Irvine Mortgage?
Get personalized rates for your Irvine neighborhood and loan needs
Licensed mortgage broker with NEXA Mortgage • NMLS #1426884 • Serving all Irvine neighborhoods
Irvine Mortgage FAQ
What is the average home price in Irvine?
The median home price in Irvine is $1.4M as of 2025, with University Park homes averaging $1.6M-$2.5M and Woodbridge homes around $1.2M-$1.8M.
Do I need a jumbo loan to buy in Irvine?
85% of Irvine homes exceed the 2025 conforming loan limit of $1,089,300, requiring jumbo loan financing. Mo Abdel specializes in jumbo loans for Irvine properties.
Which Irvine neighborhoods are best for families?
University Park, Woodbridge, and Northwood offer excellent schools, family amenities, and strong resale values. All are served by top-rated Irvine Unified School District.
What loan programs work best for Irvine homes?
Jumbo loans are most common for Irvine's luxury market. Physician loans are popular for UCI medical professionals. Conventional loans work for condos and townhomes under $1.089M.
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Mortgage Calculator
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Down Payment Assistance
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