Direct mortgage lender · Seal Beach, California

Home loans in Seal Beach,
from the office on PCH.

Our office is at 1650 Pacific Coast Highway, so a Seal Beach loan is a home game. The rate you are quoted and the decision on your file both come from this desk, not from a call center, and the closing date on your contract holds.

Old Town, The Hill, College Park, Bridgeport and Leisure World each bring a different loan conversation, from jumbo financing on the walk streets to a reverse mortgage for a homeowner past sixty-two. Twenty years of those conversations happened within a mile of the pier.

Orange County$1,249,125 2026 conforming limit

Directlender, decisions from our desk

Jumboto $25M above the limit

5.0on Google, 450+ five-star reviews

20 yearsclosing on time from Seal Beach

How it works

Three steps from Seal 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 Seal Beach offer stronger. In escrow, we drive the paperwork so you close on schedule, and our clients regularly close early.

Seal Beach at a glance

The numbers that shape a Seal 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 Seal Beach

Where the right loan changes block by block

Jumbo on the walk streets

Homes in Old Town and on The Hill regularly price above the $1,249,125 conforming limit. Our jumbo program runs to $25M with as little as 10% down, priced from our own desk.

Leisure World and the reverse mortgage

For homeowners sixty-two and older, a reverse mortgage can turn equity into monthly breathing room with no required monthly payment, as long as the loan obligations are met. We walk through the counseling requirement and the numbers together.

VA loans near the Naval Weapons Station

Veterans, active-duty service members and surviving spouses can use a VA loan with 0% down and no monthly mortgage insurance. We know the certificate of eligibility process and the funding fee exemptions.

Seal Beach Pier, a short walk from our office.

5.0 on Google · 450+ five-star reviews

What clients say after closing

★★★★★

"We walked away from a slightly better offer from another bank to keep working with Taylor. We trusted him that much. On top of all that, we closed early."

Joe Sadler

★★★★★

"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

★★★★★

"I've used Taylor for two mortgages and two HELOCs across 2 states. I've never had anything but an A1 experience. They are responsive, detail oriented and make the process super easy for you."

Keith Cook

Ready to run your Seal Beach numbers?

Start my application Call (714) 658-4912

How to choose

Three questions to ask any lender in Seal 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 Seal Beach

Neighborhoods and nearby communities

Every neighborhood in Seal Beach, and the communities next door. ZIP codes 90740.

Old Town
The Hill
Bridgeport
College Park East
College Park West
Leisure World Seal Beach
Surfside
Rossmoor
Los Alamitos
Sunset 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.

Seal Beach FAQs

Fair questions, straight answers

What is the 2026 conforming loan limit in Seal Beach?

Seal Beach is in Orange County, where the 2026 one-unit conforming limit is $1,249,125, the national ceiling. The FHA limit is the same figure. A loan above it is a jumbo loan, which we also originate.

Do you have an office in Seal Beach?

Yes. The Taylor Weiner Team is at 1650 Pacific Coast Highway, Unit C, Seal Beach, CA 90740. You can apply online any time, call during phone hours, or come in.

Can I get pre-approved before I start looking in Seal Beach?

Yes, and in a multiple-offer market you should. We issue fully underwritten pre-approvals, not a letter based on a quick look, so listing agents take the offer seriously and the closing timeline holds.

I am self-employed. Can I still qualify?

Usually. Our Non-QM programs qualify on bank statements, 1099s, a CPA-prepared profit and loss, or liquid assets instead of tax returns. Bring the whole picture and we price every eligible program.

Which neighborhoods do you serve from the Seal Beach office?

All of Seal Beach, including Old Town, The Hill, Bridgeport, College Park East and West, and Leisure World, plus Surfside, Sunset Beach, Rossmoor and Los Alamitos next door. We lend across California.

How long does a purchase loan take to close?

About three weeks is typical for a conventional purchase once you are in escrow, and our clients regularly close early. Complex income files and jumbo loans can take longer, and we tell you the real timeline up front.

Other communities

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.

(714) 658-4912

Mon to Fri, 8:30am to 7:30pm PST

Home loans in Seal Beach,
from the office on PCH.