Orange County Conventional Loans - Best Rates
Get the best conventional loan rates in Orange County with down payments as low as 3%. Licensed broker Mo Abdel (NMLS #1426884) compares 200+ lenders to secure your ideal mortgage terms.
Orange County Conventional Loan Advantages
Low Down Payment Options
As little as 3% down for qualified borrowers
No Mortgage Insurance
Eliminate PMI with 20% down payment
Competitive Rates
Often lower rates than FHA loans
No Property Restrictions
Can be used for any property type
Higher Loan Limits
Up to $1,089,300 in Orange County
Flexible Terms
15, 20, and 30-year options available
2025 Orange County Conventional Loan Limits
$1,089,300
Conforming Conventional Loan Limit (2025)
High-cost area allows for higher loan amounts
Orange County's designation as a high-cost area means conventional loan limits are significantly above the national baseline. This allows you to purchase homes up to $1,089,300 while still getting the benefits of conforming loan rates.
Key Facts for Orange County Conventional Loans:
- • Minimum down payment: 3% for qualified borrowers
- • No mortgage insurance with 20% down payment
- • Credit score minimum: Typically 620 or higher
- • Debt-to-income ratio: Usually up to 45%
- • Property types: Primary, secondary, investment
Conventional Loans vs. FHA Loans in Orange County
| Feature | Conventional | FHA |
|---|---|---|
| Down Payment | 3% minimum | 3.5% minimum |
| Credit Score | 620+ typically | 580+ accepted |
| Mortgage Insurance | None with 20% down | Required for life of loan |
| Interest Rates | Often lower | Competitive |
| Property Types | All types allowed | Primary residence only |
Conventional Loans Throughout Orange County
Licensed to serve all Orange County communities with local market expertise
Why Choose Mo Abdel for Your Orange County Conventional Loan?
200+ Lender Network
Compare conventional loan rates from hundreds of lenders for the best deal.
18-Day Closings
Fast conventional loan processing with efficient underwriting.
Local Expertise
15+ years of Orange County conventional lending experience.
Get Your Conventional Loan Rate
Licensed Orange County broker Mo Abdel NMLS #1426884
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