Newport Beach, CA
Newport Beach home loans, built for Newport Beach's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around Newport Beach's price points — not a one-size template.
Newport Beach home loans, the honest version.
Newport Beach is one of the few American cities where the median sold price significantly exceeds even the high-cost conforming ceiling, meaning most transactions are jumbo by definition; coastal position, private marinas, and Fashion Island create durable demand independent of commuter convenience.
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 Newport Beach 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 Newport Beach from the ground up — close to Balboa Island and Fashion Island. We finance homes across Corona del Mar, Balboa Island, Newport Coast, and Lido Isle — and every other corner of Newport Beach. Looking for a mortgage broker near you in Newport Beach? 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.
Newport Beach market knowledge
Near Balboa Island and Fashion Island, across Corona del Mar, Balboa Island, Newport Coast — we know how Newport Beach prices and programs actually work.
High-balance & jumbo ready
Newport Beach runs among the priciest in California — we structure jumbo, high-balance, VA jumbo financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your Newport Beach file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your Newport Beach loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Newport Beach, 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 Newport Beach purchase, not a template.
For Newport Beach we lean on jumbo, high-balance, VA 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 Newport Beach, we also help buyers in Costa Mesa, Fountain Valley, Tustin. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Newport Beach mortgage questions, answered.
What's the 2026 conforming loan limit in Newport Beach?
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 Newport Beach?
Not always. Many Newport Beach 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 Newport Beach neighborhoods do you serve?
We serve buyers across Newport Beach, including Corona del Mar, Balboa Island, Newport Coast. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Newport Beach?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Newport Beach and the surrounding area.
Do you serve areas near Newport Beach?
Yes — we also work with buyers in nearby Costa Mesa, Fountain Valley, Tustin. Same process, local loan-limit details for each.
Let's finance your Newport Beach home.
One call with the owner — local, honest, no pressure. We'll tell you which program fits your Newport Beach purchase and shop the lenders for you.