Irvine, CA
Irvine home loans, built for Irvine's market.
The right Irvine loan respects Irvine prices — high-balance, jumbo, refinance — structured for Woodbury and every Irvine block from day one.
Inside the Irvine mortgage market.
Irvine is Orange County’s dominant master-planned city; single-family homes routinely trade at or above the high-balance ceiling, placing many transactions in jumbo territory, with demand from the tech and biomedical corridor.
Those Irvine realities set the strategy. Because Orange County is high-cost, an Irvine one-unit purchase can reach $1,249,125 and stay conforming on an Irvine file. That means high-balance and jumbo tools come up constantly in Irvine — the first job on any Irvine file is placing it against $1,249,125. 2026 limits published by FHFA — confirm your exact scenario with us.
From Woodbury over to Portola Springs, Irvine’s 236,000-plus residents sit within minutes of Tustin and Santa Ana. Irvine isn’t an abstraction to us — we know it down to UC Irvine and the Irvine Spectrum. Buyers come to us from Woodbury, Northwood, Turtle Rock, and Portola Springs, and from every other part of Irvine. Looking for a mortgage broker near you in Irvine? We serve Irvine by phone and online, so Irvine buyers get local-market help without driving anywhere.
What working with us looks like.
Irvine market knowledge
Woodbury, Northwood, Turtle Rock, the streets around UC Irvine and the Irvine Spectrum — we read Irvine's price points like locals, because that's how we work it.
High-balance & jumbo ready
Price tags in Irvine sit at the top of the California market, so we build high-balance, jumbo strategies sized to Irvine.
Lenders shopped for you
As a broker we put many lenders in competition for your Irvine file — not one bank's Irvine shelf.
Owner-handled
Your Irvine file is handled by owner Esther Buede herself — in Irvine or Tustin, hers is the name buyers recognize from our reviews.
One owner, handling your whole loan.
Every Irvine file lands on one desk: owner Esther Buede’s (individual NMLS #2003644). Closing loans since 2005, she’ll know your Irvine plans — Northwood or anywhere Irvine — and your name from the first call. Meet the family behind CHM →
“Esther Buede was a breathe of fresh air to work with from starting to the finish line!”
Matched to your Irvine purchase, not a template.
Demand around UC Irvine and the Irvine Spectrum keeps high-balance activity steady in Irvine. Irvine files most often land on high-balance, jumbo — and past those, every Irvine option gets shopped: non-QM, FHA, conventional, jumbo, and VA. Whenever you’re ready — buying, refinancing, or still weighing options — apply online or call (949) 522-7310.
Irvine first-timers: our guide to real down-payment assistance covers CalHFA and city programs — worth five minutes before you save another year.
Close to Irvine, we also help buyers in Tustin, Santa Ana, Orange. Browse our California service areas →
A licensed California mortgage broker for Irvine: Choice Home Mortgage, NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Irvine mortgage questions, answered.
How high can a conforming loan go in Irvine?
Because Orange County counts as high-cost, Irvine buyers get a $1,249,125 single-family ceiling for 2026. Per FHFA — we'll confirm your Irvine numbers.
How do Irvine buyers finance above the conforming limit?
Many Irvine deals do cross into jumbo territory. The move on an Irvine purchase is knowing where it sits against the limit — then shopping lenders built for that range.
Which Irvine neighborhoods do you serve?
Every corner of Irvine, from Woodbury, Northwood, Turtle Rock, Portola Springs on out. A Irvine loan prices off your file, not the neighborhood.
Do you actually know the Irvine market?
Yes — we're a family-owned California broker (NMLS #2629064) and Irvine sits squarely in coverage. Irvine files run remotely, owner-handled for every Irvine client.
Do you cover the towns around Irvine?
Yes — Tustin, Santa Ana, Orange are all in reach from Irvine. Same process; each area's own loan-limit details applied.
Let's get you home in Irvine.
No call center — just Esther. We'll find what fits your Irvine purchase and do the Irvine lender legwork.