Huntington Beach Wholesale Mortgage Broker | 200+ Lenders, Better Rates
Access wholesale pricing and jumbo loan expertise for Surf City USA
Huntington Beach homebuyers access wholesale mortgage rates through Mo Abdel at Lumin Lending, with 200+ lender relationships for better rates than local banks. With Huntington Beach median home prices around $1.3 million, most buyers need jumbo loans—and that is where wholesale brokers provide the biggest advantage over Wells Fargo, Chase, and other Orange County banks.
Why Huntington Beach Homebuyers Choose Wholesale
Huntington Beach Real Estate Market [2026]
| Metric | Huntington Beach |
|---|---|
| Median Home Price | $1.3M |
| Price Range | $700K - $8M+ |
| Conforming Limit (2026) | $1,149,825 |
| Typical Loan Type | Jumbo |
Huntington Beach is Orange County's quintessential beach community—9.5 miles of coastline, world-class surfing, and a vibrant downtown. The real estate market reflects this lifestyle, with prices consistently exceeding the conforming loan limit.
The Wholesale Advantage in Huntington Beach
- 200+ Lender Access: More options than any single bank can offer
- Rate Shopping: Lender competition drives better pricing
- Program Variety: Bank statement, jumbo, non-QM, VA loans
- Local Expertise: Understanding Huntington Beach's unique coastal market
- Speed: Relationships with fast-closing lenders for competitive offers
Loan Programs for Huntington Beach
Jumbo Loans
- Loans above $1,149,825 up to $10M+
- Access to 50+ jumbo lenders (vs. one product at banks)
- Bank statement jumbo for self-employed borrowers
- Interest-only options for cash flow flexibility
- 10-20% down payment options depending on loan amount
Bank Statement Loans
- Self-employed borrowers, business owners, freelancers
- 12-24 months of bank deposits (no tax returns)
- Up to $3M+ loan amounts
- Multiple lenders with different calculation methods
VA Loans
- 0% down payment for eligible veterans
- No PMI requirement
- VA jumbo loans available
- Competitive rates through wholesale channel
Conventional Loans
- Up to $1,149,825 (2026 limit)
- 3-20% down payment options
- Primary residence, second home, and investment
- Rate shopping across 200+ lenders
How We Beat Huntington Beach Banks on Rates
| Factor | Huntington Beach Banks | Wholesale Broker |
|---|---|---|
| Lender Options | 1 | 200+ |
| Rate Shopping | No | Yes - Built In |
| Jumbo Programs | 1 product | 50+ lenders |
| Bank Statement Loans | Limited | Extensive |
| If Denied | Start over elsewhere | Try another lender same day |
Huntington Beach Neighborhoods We Serve
Huntington Harbour
Waterfront living with boat docks and harbor views. Homes range from $1.5M to $5M+. Popular loan types: Jumbo, bank statement for business owners.
Downtown Huntington Beach
Walking distance to Main Street and the pier. Condos and single-family homes from $800K to $3M+. Mix of conforming and jumbo loans.
Seacliff
Gated community near Seacliff Country Club. Homes typically $1.2M to $2.5M. Strong jumbo loan demand with executive buyers.
Bolsa Chica
Near the ecological reserve with larger lots. Prices range from $1M to $2M+. Family-focused buyers, conventional and jumbo mix.
Frequently Asked Questions
What is a wholesale mortgage broker in Huntington Beach?
A wholesale mortgage broker in Huntington Beach is an independent licensed professional who accesses institutional pricing from 200+ lenders to find the best rates for borrowers. Unlike bank loan officers who only offer their employer's products, wholesale brokers shop across the entire lending market.
Can I get a jumbo loan in Huntington Beach through a wholesale broker?
Yes, and it is often the best approach. Wholesale brokers have access to 50+ jumbo lenders, compared to the single jumbo product offered by most banks.
How do Huntington Beach wholesale rates compare to local banks?
Wholesale rates are often more competitive because they exclude bank overhead costs (branches, advertising, corporate structure). Brokers shop across 200+ lenders who compete for your business.
Do wholesale brokers offer bank statement loans in Huntington Beach?
Yes. Wholesale brokers access extensive bank statement loan programs from dozens of specialized lenders—perfect for self-employed residents, business owners, and entrepreneurs.
How long does closing take with a Huntington Beach wholesale broker?
Typical closing timelines range from 21-45 days depending on loan type and complexity. Wholesale brokers often close faster than banks because they can select lenders known for speed.
Related Resources
Mo Abdel | Senior Mortgage Broker | NMLS #1426884
Lumin Lending, Inc. | NMLS #2716106 | DRE #02291443
Licensed in: CA, WA
Huntington Beach Wholesale Mortgage Specialist
(949) 822-9662
Equal Housing Lender. All loans subject to credit approval, underwriting guidelines, and program availability. Terms and conditions apply. This is not a commitment to lend. Information is for educational purposes only and does not constitute financial advice. Contact a licensed loan officer for personalized guidance.