Orange County Jumbo Loans - Luxury Home Financing
Finance your Orange County luxury home with competitive jumbo loan rates. Licensed broker Mo Abdel (NMLS #1426884) specializes in high-value properties throughout Newport Beach, Irvine, and all of Orange County.
Orange County Jumbo Loan Benefits
Higher Loan Amounts
Finance luxury homes above $1,089,300
Competitive Rates
Often similar to conforming loan rates
Flexible Down Payments
Options from 10-20% depending on loan type
Various Property Types
Primary, secondary, and investment properties
No Mortgage Insurance
Avoid PMI with adequate down payment
Interest-Only Options
Available for qualified borrowers
2025 Orange County Jumbo Loan Market
$1,089,300+
Jumbo Loan Threshold in Orange County (2025)
Loans above this amount require jumbo financing
Orange County's luxury real estate market requires specialized financing solutions. With median home prices well above the conforming loan limit, jumbo loans are essential for many homebuyers in premium areas like Newport Beach, Laguna Beach, and parts of Irvine.
Orange County Jumbo Loan Landscape:
- • Loan amounts: $1,089,301 to $10+ million
- • Down payment: Typically 10-20% minimum
- • Credit score: 700+ recommended
- • Debt-to-income: Usually up to 43%
- • Cash reserves: 2-6 months typically required
Orange County Luxury Markets We Serve
Coastal Premium
- • Newport Beach
- • Laguna Beach
- • Dana Point
- • Huntington Beach
Inland Luxury
- • Irvine
- • Mission Viejo
- • Yorba Linda
- • Villa Park
Median Home Prices in Premium OC Areas: $1.2M - $3.5M+
Types of Jumbo Loans Available
Conforming Jumbo
Loans that exceed conforming limits but follow GSE guidelines
- • Fixed and adjustable rates
- • 10-20% down payment
- • Competitive pricing
Portfolio Jumbo
Loans held by lenders with flexible guidelines
- • More flexible underwriting
- • Higher DTI ratios possible
- • Unique property types
Interest-Only Jumbo
Pay only interest for initial period
- • Lower initial payments
- • 5-10 year interest-only periods
- • Ideal for income growth scenarios
ARM Jumbo
Adjustable rate with lower initial rates
- • Lower initial rate periods
- • 5/1, 7/1, 10/1 ARM options
- • Rate caps for protection
Why Choose Mo Abdel for Your Orange County Jumbo Loan?
Luxury Market Expertise
15+ years specializing in Orange County's premium real estate market.
Jumbo Lender Network
Access to specialized jumbo lenders with competitive rates and terms.
Personalized Service
White-glove service for high-value transactions with dedicated attention.
Get Your Jumbo Loan Rate Quote
Licensed Orange County luxury home specialist Mo Abdel NMLS #1426884
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