Irvine, CA
Irvine home loans, built for Irvine's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around Irvine's price points — not a one-size template.
Irvine home loans, the honest version.
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.
That market shapes the loan. Because Orange County is a high-cost area, the 2026 one-unit conforming limit is $1,249,125 — above the national baseline. So many Irvine buyers use high-balance or jumbo financing — and knowing exactly where your purchase lands against that $1,249,125 line is half the work. Limits per FHFA 2026; verify your scenario with us.
We work Irvine from the ground up — close to UC Irvine and the Irvine Spectrum. We finance homes across Woodbury, Northwood, Turtle Rock, and Portola Springs — and every other corner of Irvine. Looking for a mortgage broker near you in Irvine? We serve the area by phone and online, so you get a local-market broker without driving to an office.
What you get with a local broker.
Irvine market knowledge
Near UC Irvine and the Irvine Spectrum, across Woodbury, Northwood, Turtle Rock — we know how Irvine prices and programs actually work.
High-balance & jumbo ready
Irvine runs among the priciest in California — we structure high-balance, jumbo financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your Irvine file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your Irvine loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Irvine, your loan is handled personally by owner Esther Buede — a licensed mortgage expert (individual NMLS #2003644) who has guided California families to the closing table since 2005. Not a call center, not a rotating cast — one expert who knows your file and your market. Meet the family behind CHM →
“Closed in 8 days. I never knew a home refinance could happen so quickly and painlessly!”
Matched to your Irvine purchase, not a template.
For Irvine we lean on high-balance, jumbo — but whatever fits, we shop it: FHA, conventional, jumbo, VA, and non-QM. Start when you’re ready: buying, refinancing, or just exploring — apply here or call (949) 522-7310.
Close to Irvine, we also help buyers in Tustin, Santa Ana, Orange. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Irvine mortgage questions, answered.
What's the 2026 conforming loan limit in Irvine?
In Orange County, the 2026 conforming loan limit is $1,249,125 for a single-family home — a high-cost figure above the national baseline. Limits per FHFA 2026; verify your scenario with us.
Do I need a jumbo loan to buy in Irvine?
Not always. Many Irvine homes can be financed with high-balance conforming loans up to $1,249,125 before a true jumbo is needed. We'll tell you which fits your price point.
Which Irvine neighborhoods do you serve?
We serve buyers across Irvine, including Woodbury, Northwood, Turtle Rock. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Irvine?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Irvine and the surrounding area.
Do you serve areas near Irvine?
Yes — we also work with buyers in nearby Tustin, Santa Ana, Orange. Same process, local loan-limit details for each.
Let's finance your Irvine home.
One call with the owner — local, honest, no pressure. We'll tell you which program fits your Irvine purchase and shop the lenders for you.