Irvine Wholesale Mortgage Broker | 200+ Lenders, Better Rates
Master-planned excellence meets wholesale mortgage access
Irvine homebuyers access wholesale mortgage rates through Mo Abdel at Lumin Lending, with 200+ lender relationships for better rates than local banks. With a median home price around $1.5 million and premium communities like Shady Canyon reaching $8M+, most Irvine buyers need jumbo loans—where wholesale brokers deliver significant advantages.
Why Irvine Homebuyers Choose Wholesale
Irvine Real Estate Market [2026]
| Metric | Irvine |
|---|---|
| Median Home Price | $1.5M |
| Price Range | $700K - $10M+ |
| Conforming Limit | $1,149,825 |
| Most Loans | Jumbo |
Irvine is Orange County's tech and education hub, attracting professionals from major employers, entrepreneurs, and international buyers. Many have complex income situations that benefit from wholesale broker expertise.
The Wholesale Advantage in Irvine
Irvine's competitive market demands financing expertise. Wholesale brokers provide:
- 200+ Lender Access: More options than any single bank
- Jumbo Expertise: Standard for most Irvine properties
- Bank Statement Programs: Tech professionals, business owners
- Foreign National Programs: International buyer solutions
Loan Programs for Irvine
Jumbo & Super-Jumbo Loans
- Loans from $1.1M to $10M+
- Access to 50+ jumbo lenders
- Bank statement jumbo available
- Interest-only options
- Asset depletion programs
Bank Statement Loans
- Self-employed Irvine borrowers
- 12-24 months of deposits
- No tax returns required
- Perfect for tech professionals with stock compensation
Conventional Loans
- Up to $1,149,825
- 3-20% down payment
- Competitive rates
- Primary, second home, investment
Foreign National Programs
- Non-US citizen financing
- ITIN programs available
- Visa holder solutions
- International income documentation
How We Beat Irvine Banks on Rates
| Factor | Irvine Banks | Wholesale Broker |
|---|---|---|
| Lender Options | 1 | 200+ |
| Rate Shopping | No | Yes |
| Super-Jumbo ($3M+) | Limited | Multiple options |
| Foreign National | Rare | Several programs |
Irvine Neighborhoods We Serve
Shady Canyon: Ultra-luxury gated estates, $3M-$10M+. Popular loans: Super-jumbo, bank statement.
Turtle Ridge: Ocean and canyon views, $2M-$4M. Popular loans: Jumbo.
Turtle Rock: Established community near UCI, $1.5M-$2.5M. Popular loans: Jumbo.
Great Park: New master-planned, $1M-$2M. Popular loans: Jumbo, new construction.
Woodbury: Family-friendly, newer homes, $1M-$1.8M. Popular loans: Jumbo.
Quail Hill: Near Spectrum, condos to homes, $800K-$1.5M. Popular loans: Conforming to jumbo.
Mello-Roos Consideration
Many Irvine communities, especially in Great Park and newer developments, have Mello-Roos taxes. While included in property tax calculations, these don't affect loan eligibility. Wholesale brokers can help you understand total housing costs.
Frequently Asked Questions
What is a wholesale mortgage broker in Irvine?
A wholesale mortgage broker accesses rates from 200+ lenders instead of one bank's products, giving Irvine buyers more options and competitive pricing for jumbo and conventional loans.
Can I get a jumbo loan in Irvine through a wholesale broker?
Yes. Wholesale brokers access 50+ jumbo lenders for Irvine properties above the $1,149,825 conforming limit—standard for most Irvine neighborhoods.
Do wholesale brokers offer bank statement loans in Irvine?
Yes. Extensive bank statement programs perfect for Irvine's many tech professionals, business owners, and self-employed borrowers.
How long does closing take in Irvine?
Jumbo closings typically take 25-35 days. Wholesale brokers often expedite through established lender relationships.
Related Resources
Mo Abdel | Senior Mortgage Broker | NMLS #1426884
Lumin Lending | NMLS #2716106 | DRE #02291443
Irvine Wholesale Mortgage Specialist
📞 (949) 822-9662
Equal Housing Lender. All loans subject to credit approval.