Direct mortgage lender · Huntington Beach, California
Home loans in Huntington Beach,
from the Harbour to Main Street.
Huntington Beach starts where Seal Beach ends, so our office on Pacific Coast Highway is minutes from Huntington Harbour, Sunset Beach and downtown. We are a direct lender: the rate you are quoted and the decision on your file both come from our desk.
A waterfront home in the Harbour, a first house inland off Beach Boulevard, and a refinance in Seacliff are three different loans. We price each against every program we offer and tell you which one actually fits.
How it works
Three steps from Huntington Beach to the closing table.
Apply online, or call us
Start from your phone in about twenty seconds, or talk it through with a person first. Either way you get a real answer about what you qualify for, not a sales pitch.
We price your file against every program
Conforming, jumbo, FHA, VA, USDA, Non-QM, home equity and California down payment help. You see the fits side by side with the trade-offs spelled out.
Close on the date on your contract
A fully underwritten pre-approval makes your Huntington Beach offer stronger. In escrow, we drive the paperwork so you close on schedule, and our clients regularly close early.
Huntington Beach at a glance
The numbers that shape a Huntington Beach loan
$1,249,125
2026 one-unit conforming loan limit in Orange County, the national ceiling. The FHA limit is the same figure.
$832,750
The national baseline. Loans between the baseline and the county limit are high-balance conforming, priced a little differently.
To $25M
Jumbo financing above the county limit, from 10% down, for the coastal price tags that are routine here.
3.5% down
FHA minimum with flexible credit. VA and USDA allow 0% down for eligible borrowers.
About 3 weeks
Typical close for a conventional purchase once in escrow. We give you the real timeline for your file up front.
Seal Beach, CA
Our office at 1650 Pacific Coast Highway. Phone hours Monday to Friday, 8:30am to 7:30pm. Apply online any time.
Loans that fit Huntington Beach
Where the right loan changes block by block
Waterfront and the jumbo line
Huntington Harbour and the downtown blocks near the pier price well past the $1,249,125 conforming limit. Our jumbo program reaches $25M with as little as 10% down.
First home inland, with help on the down payment
Buyers east of Beach Boulevard often qualify for FHA with 3.5% down, and California programs such as CalHFA MyHome and GSFA Platinum can cover part of the down payment and closing costs.
Refinance or tap equity without losing your rate
If you bought when rates were low, a HELOC or HELOAN keeps your first mortgage untouched. If your rate is above today's, we show the honest break-even before you decide.
Bolsa Chica and Pacific Coast Highway, between our office and downtown Huntington Beach.
5.0 on Google · 450+ five-star reviews
What clients say after closing
"Taylor Weiner made our first home buying experience surprisingly stress free and easy. He was fast, efficient, and got things done. Taylor guided us through every step and took care of every detail."
Bao Nguyen
"My wife and I were first time homebuyers and it was a bit intimidating at first, but with the help of Taylor and his team, they made it quick and easy. He gave us break downs of our monthly payments prior to viewing homes."
Taylor Hilliger
"Taylor and his team were outstanding during our buyer transaction. This is my 2nd time closing a transaction with them. They're very professional, work fast and are always updating and communicating throughout the entire process."
Danny G
Ready to run your Huntington Beach numbers?
How to choose
Three questions to ask any lender in Huntington Beach
Who makes the decision? Ask whether the rate and the approval come from the person you are talking to or get sent somewhere else. As a direct lender, both come from our desk.
Will the closing date hold? Ask how often they close on the contract date. On time is the whole job here, and our clients regularly close early.
Who picks up the phone? Ask who you will actually reach at 6pm on a Thursday. Here it is Taylor and a team you will know by name.
Where we lend in Huntington Beach
Neighborhoods and nearby communities
Every neighborhood in Huntington Beach, and the communities next door. ZIP codes 92646, 92647, 92648, 92649.
- Downtown and Main Street
- Huntington Harbour
- Sunset Beach
- Seacliff
- Bolsa Chica
- Goldenwest
- Edwards Hill
- Yorktown
- Adams
- Oak View
- Fountain Valley
- Westminster
Before you apply
The questions that decide the loan
Income that does not fit a W-2. Self-employed, commission, 1099 or asset-based borrowers have a path through our Non-QM programs. The Ability-to-Repay rule still applies; what changes is which documents count.
Buying above the county limit. Above $1,249,125 the loan is a jumbo. Expect a fuller documentation set and a careful appraisal; we tell you the timeline before you write the offer.
Your first home. FHA from 3.5% down, and California programs such as CalHFA MyHome and GSFA Platinum that help with the down payment. Start with the first-time buyer guide.
Licensing. Taylor Weiner, NMLS 263090, originates through Lower, LLC, NMLS 1124061, and is licensed in California. Not an offer of credit or a commitment to lend; all approvals are subject to underwriting. Equal Housing Opportunity.
Huntington Beach FAQs
Fair questions, straight answers
What is the 2026 loan limit in Huntington Beach?
Huntington Beach is in Orange County, where the 2026 one-unit conforming limit is $1,249,125, and the FHA limit matches it. Above that figure you are in jumbo territory, which we originate directly.
How far is your office from Huntington Beach?
We are at 1650 Pacific Coast Highway in Seal Beach, at the northern edge of Huntington Beach. Most of Huntington Harbour and Sunset Beach is a few minutes away; you can also apply online any time or handle everything by phone.
Do you lend on Huntington Harbour waterfront homes?
Yes. Waterfront and dock properties usually mean a jumbo loan and a careful appraisal. We have priced and closed them for years and we tell you the real timeline before you write the offer.
Is there down payment help for first-time buyers in Huntington Beach?
Often. CalHFA MyHome and GSFA Platinum are California programs that pair with an FHA, VA, USDA or conventional first mortgage to cover part of the down payment and closing costs. Eligibility depends on income and the program; we check both for you.
Can a veteran buy in Huntington Beach with no money down?
Yes. A VA loan allows 0% down with no monthly mortgage insurance for eligible veterans, active-duty service members and surviving spouses, up to the amount your entitlement supports. We handle the certificate of eligibility and the funding fee exemption where it applies.
Which parts of Huntington Beach do you serve?
All of it: downtown and Main Street, Huntington Harbour, Sunset Beach, Seacliff, Bolsa Chica, Goldenwest, Edwards Hill, Yorktown, Adams and Oak View, plus Fountain Valley and Westminster next door.
Other communities
We lend across the coast and inland
Seal Beach
Orange County · home loans, refinance and home equity
Long Beach
Los Angeles County · home loans, refinance and home equity
Los Alamitos
Orange County · home loans, refinance and home equity
Cypress
Orange County · home loans, refinance and home equity
Westminster
Orange County · home loans, refinance and home equity
Fountain Valley
Orange County · home loans, refinance and home equity
Lakewood
Los Angeles County · home loans, refinance and home equity
Newport Beach
Orange County · home loans, refinance and home equity
All communities
Every city we serve from Seal Beach, and across California
Let's talk it through
Want to go over these numbers?
Call us, or send your info and we'll walk through them with you. A real conversation about your situation, no pressure and no obligation.
Mon to Fri, 8:30am to 7:30pm PST