Direct mortgage lender · Long Beach, California
Home loans in Long Beach,
from Naples to Bixby Knolls.
Long Beach is across the San Gabriel River from our office, close enough that Naples and Belmont Shore are part of the daily route. We are a direct lender: the rate you are quoted and the decision on your file both come from our desk, and the date on your contract holds.
The city runs from canal-front homes in Naples to Spanish bungalows in Bixby Knolls and condos downtown, which means the right loan changes block by block. We price your file against every program we offer and show you the fit.
How it works
Three steps from Long 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 Long Beach offer stronger. In escrow, we drive the paperwork so you close on schedule, and our clients regularly close early.
Long Beach at a glance
The numbers that shape a Long Beach loan
$1,249,125
2026 one-unit conforming loan limit in Los Angeles 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 Long Beach
Where the right loan changes block by block
Naples, Belmont Shore and the jumbo line
Los Angeles County shares the $1,249,125 conforming ceiling with Orange County. Canal-front and Belmont Shore homes often price above it, which is jumbo territory we originate directly, to $25M with as little as 10% down.
First home in Bixby Knolls, Los Altos or North Long Beach
Conforming, FHA with 3.5% down, and California down payment programs such as CalHFA MyHome and GSFA Platinum all apply in Long Beach. We check which ones you qualify for before you shop.
Self-employed in a city full of small businesses
Port work, restaurants, trades and creative businesses often show a tax return that understates real income. Our Non-QM programs qualify on bank statements, 1099s, a profit and loss statement, or assets.
The Naples canals, Long Beach.
5.0 on Google · 450+ five-star reviews
What clients say after closing
"Just about 2 weeks it took for the loan to be funded. This is a 5 Star Get The Job Done Team. They assisted our loan process with detail and impeccable speed."
Albert Martin
"Taylor and his team are the best. They were extremely knowledgeable, warm, and patient. They answered all our questions quickly and thoroughly, and made this long and arduous process clear and concise."
Angela Lewis
"Taylor and his team were very helpful in the entire process of getting a home loan. Taylor was very responsive via email, call, and text. Whether nights or weekends, Taylor and his team were always willing to help."
Ryan Manalo
Ready to run your Long Beach numbers?
How to choose
Three questions to ask any lender in Long 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 Long Beach
Neighborhoods and nearby communities
Every neighborhood in Long Beach, and the communities next door. ZIP codes 90802, 90803, 90804, 90805, 90806, 90807, 90808, 90810, 90813, 90814, 90815.
- Naples
- Belmont Shore
- Belmont Heights
- Bluff Park
- Alamitos Beach
- Downtown and East Village
- Bixby Knolls
- California Heights
- Los Altos
- Lakewood Village
- Wrigley
- North Long Beach
- Rose Park
- Lakewood
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.
Long Beach FAQs
Fair questions, straight answers
What is the 2026 conforming loan limit in Long Beach?
Long Beach is in Los Angeles County, where the 2026 one-unit conforming limit is $1,249,125, the national ceiling. The FHA limit is the same figure. Anything above it is a jumbo loan.
Do you serve Long Beach from Seal Beach?
Yes. Our office at 1650 Pacific Coast Highway is just across the San Gabriel River from Belmont Shore and Naples, and we lend throughout Los Angeles County. Most clients handle everything online and by phone.
Can I buy a condo downtown with an FHA loan?
Often, if the building is on the FHA-approved list or qualifies for a single-unit approval. We check the building before you write the offer so there are no surprises at underwriting.
Do you finance canal-front homes in Naples?
Yes. Naples and Belmont Shore purchases are usually jumbo loans with a careful appraisal. We price them from our own desk and tell you the realistic timeline up front.
I own a small business in Long Beach. Which documents will you need?
It depends on the program. A conventional loan uses two years of tax returns; a bank statement loan uses 12 or 24 months of deposits; a P&L loan uses a CPA-prepared statement. Bring what you have and we will tell you which path qualifies you for the most.
Which Long Beach neighborhoods do you serve?
All of Long Beach, including Naples, Belmont Shore, Belmont Heights, Bluff Park, Alamitos Beach, downtown and the East Village, Bixby Knolls, California Heights, Los Altos, Lakewood Village, Wrigley, North Long Beach and Rose Park, plus Lakewood next door.
Other communities
We lend across the coast and inland
Seal Beach
Orange County · home loans, refinance and home equity
Huntington Beach
Orange 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