Direct mortgage lender · Newport Beach, California
Home loans in Newport Beach,
from the Peninsula to Newport Coast.
Newport Beach is down Pacific Coast Highway from our Seal Beach office, and most of its loans start above the conforming limit. We are a direct lender: the jumbo rate you are quoted and the decision on your file both come from our desk, so the closing date on your contract holds.
Balboa Island, Lido Isle, Corona del Mar, Newport Coast and Crystal Cove each price differently and often come with income that does not fit a W-2. Jumbo, asset-based and investor financing are the everyday loans here.
How it works
Three steps from Newport 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 Newport Beach offer stronger. In escrow, we drive the paperwork so you close on schedule, and our clients regularly close early.
Newport Beach at a glance
The numbers that shape a Newport 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 Newport Beach
Where the right loan changes block by block
Jumbo, from our own desk
Above the $1,249,125 county limit the loan is a jumbo, and we originate them directly to $25M with as little as 10% down. Interest-only options are available through our interest-only program for borrowers with a plan.
Income that lives in assets or a business
Founders, professionals and retirees often qualify better on assets than on a tax return. Our asset-based, bank statement and P&L programs are built for exactly that file.
Second homes and investment property
A Peninsula or Balboa Island rental can qualify on its own cash flow through a DSCR loan, with no personal income documentation. Second-home financing follows the jumbo path.
Pacific Coast Highway, the road between our office and Newport Beach.
5.0 on Google · 450+ five-star reviews
What clients say after closing
"World-class company, world class loan officer. Taylor is detailed, efficient, effective and consistent. He has the loan ready to close early and never late."
Mark Lee Bolender
"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 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 Newport Beach numbers?
How to choose
Three questions to ask any lender in Newport 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 Newport Beach
Neighborhoods and nearby communities
Every neighborhood in Newport Beach, and the communities next door. ZIP codes 92625, 92657, 92660, 92661, 92662, 92663.
- Balboa Peninsula
- Balboa Island
- Lido Isle
- Corona del Mar
- Newport Coast
- Crystal Cove
- Newport Heights
- Dover Shores
- Eastbluff
- Big Canyon
- Harbor View
- Bayshores
- Costa Mesa
- Irvine
- Laguna Beach
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.
Newport Beach FAQs
Fair questions, straight answers
What is the 2026 conforming loan limit in Newport Beach?
Newport Beach is in Orange County, where the 2026 one-unit conforming limit is $1,249,125. Most Newport Beach purchases are above it, which makes them jumbo loans.
How large a jumbo loan can you originate?
Up to $25M, with as little as 10% down on the lower end of the range. Larger loans carry fuller documentation, reserve requirements and a careful appraisal; we tell you the terms before you write the offer.
Can I qualify on assets instead of income?
Yes. An asset-based loan converts verified liquid assets into a monthly income figure over a set period. It suits retirees, founders between liquidity events and anyone whose tax return understates their resources.
Do you finance investment property in Newport Beach?
Yes. A DSCR loan qualifies the property on its rental cash flow with no personal income documentation, and second homes follow the jumbo path. Both are business we do routinely.
How far is your office from Newport Beach?
Our office is at 1650 Pacific Coast Highway in Seal Beach, about twenty-five minutes up the coast. Most Newport Beach clients handle the loan by phone and secure e-signature, and we come to you for signing when it helps.
Which areas of Newport Beach do you serve?
All of it: the Balboa Peninsula, Balboa Island, Lido Isle, Corona del Mar, Newport Coast, Crystal Cove, Newport Heights, Dover Shores, Eastbluff, Big Canyon, Harbor View and Bayshores, plus Costa Mesa, Irvine and Laguna Beach.
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
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
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