Orange County Mortgage LenderLuxury Home Loan Specialist
Serving all of Orange County with specialized mortgage programs including jumbo loans, bank statement loans, and high-balance conventional loans.
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Quick 3-min application
Orange County Housing Market Insights
Stay informed with the latest market data for Orange County's luxury real estate market.
Aditya Choksi NMLS ID: | 21st Century Lending NMLS ID: |NMLS Consumer Access
Mortgage Programs for Orange County
Specialized lending solutions tailored for Orange County's affluent communities and tech professionals.
Jumbo Loans
High-balance loans for Orange County's luxury real estate market
- Loans up to $3.2 million
- Competitive rates
- 10-20% down payment options
- Fast approval process
Bank Statement Loans
Perfect for tech professionals and business owners in OC
- 12-24 month bank statements
- No tax returns required
- Flexible income verification
- Self-employed friendly
High-Balance Conventional
Conventional loans up to Orange County conforming limits
- Up to $766,550 loan amount
- Lower rates than jumbo
- 5-10% down payment options
- No PMI with 20% down
Investment Property Loans
Financing for Orange County real estate investments
- DSCR loan programs
- 75-80% LTV available
- Interest-only options
- Portfolio building strategies
Cities We Serve in Orange County
Providing expert mortgage services throughout all Orange County communities.
What Orange County Clients Say
Real experiences from satisfied homeowners throughout Orange County.
Your Orange County Mortgage Expert
With deep knowledge of Orange County's affluent communities—from the tech hubs of Irvine and Costa Mesa to the luxury coastal cities of Newport Beach and Laguna Beach—I understand the unique financing needs of OC homebuyers.
Tech Professional Expertise
Specialized programs for tech workers with stock options, bonuses, and variable income
Luxury Market Knowledge
Deep understanding of Orange County's high-end real estate market and pricing dynamics
Premium Service
Concierge-level attention with expedited processing for time-sensitive transactions
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Start Your Orange County Home Loan Today
Get pre-approved with our quick 3-minute application. No obligation, and I'll have your personalized rate quote ready within 1 hour.
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Quick application, fast results
Why Choose Us for Your Orange County Mortgage?
- Tech Professional Specialist: Expert in complex income scenarios including stock options and bonuses
- Luxury Market Expert: Deep knowledge of Orange County's high-end real estate market
- Fast Closings: Expedited processing with 18-21 day average closing time
- Premium Service: Concierge-level attention for affluent OC communities
Orange County Mortgage FAQ
Common questions about getting a mortgage in Orange County.
What are the loan limits for Orange County?
Orange County has a conforming loan limit of $766,550 for 2024. Loans above this amount are considered jumbo loans. We specialize in both high-balance conventional loans and jumbo loans up to $3.2 million for Orange County's luxury market.
How do you handle income from stock options and bonuses?
We have specialized programs for tech professionals with variable income. Stock options, bonuses, and RSUs can be included in income calculations with proper documentation. Bank statement loans are also available for complex income scenarios.
What's the average closing time for Orange County mortgages?
Our average closing time is 18-21 days for Orange County transactions. With proper preparation and our streamlined process, we can often close faster to meet tight escrow timelines common in competitive OC markets.
Do you offer investment property loans in Orange County?
Yes! We offer DSCR (Debt Service Coverage Ratio) loans and traditional investment property loans for Orange County real estate investments. These programs are perfect for building rental property portfolios in OC's strong rental market.