Mortgage Broker in Orange County CA for Jumbo & Non-QM Loans
As a mortgage broker serving Orange County’s premier communities—Huntington Beach, Newport Beach, Dana Point, and Irvine—we deliver competitive jumbo mortgage rates and flexible loan products for luxury homes.
Why Homebuyers Trust LendFriend With Their Jumbo Loans in Orange County
At LendFriend Mortgage, we specialize in helping Orange County buyers secure jumbo mortgages that fit their financial profile. Whether it’s a 30-year fixed jumbo loan, an ARM like a 7/1 or 10/1, or a Non-QM jumbo program for self-employed or complex income, we shop top lenders to deliver competitive pricing and smooth approvals.
Here’s why jumbo borrowers in Huntington Beach, Newport Beach, Dana Point, and Irvine choose us:
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We know jumbo. From coastal estates in Newport Beach to modern homes in Irvine and ocean-view properties in Dana Point, we’ve financed some of Orange County’s most sought-after addresses. We know which lenders move fast and price aggressively in high-cost markets.
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More than 30-year fixed. While many borrowers choose a conventional fixed-rate jumbo mortgage, others prefer ARM options like the 7/1 or 10/1—perfect for buyers who plan to sell or refinance within a few years.
- RSU-based qualification. Tech employees often receive a large portion of income in stock grants. Our RSU Mortgages average vesting schedules to convert restricted stock units into qualifying income, helping you unlock larger jumbo loan approvals without waiting for full vesting.
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Crypto-backed jumbo mortgages. For founders and investors holding digital assets, our crypto-backed mortgage let you qualify without liquidating Bitcoin or Ethereum and triggering capital gains.
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Flexible qualification programs. Beyond RSUs and crypto, we offer bank statement loans and asset depletion jumbo programs for entrepreneurs, venture capital partners, and high-net-worth buyers with complex income streams.
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Fast approvals in competitive markets. Our jumbo process is built for higher-end transactions, with tailored preapprovals and closings in 30 days or less—even in competitive communities like Huntington Beach and Newport Coast.
What Our Jumbo and Self Employed Borrowers Say About LendFriend
5/5 Star Reviews on Google, Zillow, and Experience.
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LendFriend has been an outstanding lending partner, reliable, transparent, and incredibly easy to work with. Their team made the entire process smooth from start to finish, always available to answer questions and guide us through each step. I highly recommend LendFriend to anyone looking for a trustworthy and efficient lender.
Trung Nguyen
Closed July 2025 -
Wow my husband and I were truly impressed with how easy the LendFriend team made our home buying experience. Eric and his team took extra care in explaining and outlining each step -- a real customer first experience. On top of that, each member of the team was incredibly knowledgeable, organized, and responsive; resulting in an expeditious close! The website promise of working around the clock to support you is 100% factual, we had staff answering questions late night and weekends. The entire team was a real pleasure to work with, so if you are looking for a mortgage broker look no further, LendFriend is the team for you! They will give you peace of mind, get you the best rates, and make you feel confident when buying your home :)
Sarah Carr
Closed May 2025 -
I had been looking for a house for 2-3 years and while it was a journey as a business owner with a difficult financial situation this company did what 6 others could not. They got me a jumbo loan based off my business income and when I needed more they just made it happen twice. This process of funding can be extremely difficult and basically a blow to the ego but Eric and his team are literally magicians and my fiancee and I are now closed on out dream house. I recommend them whole heartedly
Shawn Tassone, MD, PhD
Closed April 2025 -
LendFriend made my homebuying experience so easy. As a business owner, I heard horror stories about how hard it can be for guys like me to get a mortgage. Thankfully I found LendFriend. Eric and the team had me approved in no time. My rate was great and they closed on time. Couldn’t ask for more
David Marino
Closed August 2025 -
I am so grateful for Micheal and his team at LendFriend. As a first time homebuyer with multiple businesses, I was very nervous about the loan process. Anyone who’s self employed knows loan processes for us are more extensive but LendFriend made it an ease. From getting a great rate to closing, they made clear communication and were extremely helpful in making sure I had everything I needed to ensure we got the final approval well in advance of closing date. They are truly amazing people to have on your team. Thank you Micheal, Morgan and Crystal for your encouraging words and optimism throughout this process.
Annie Momin
Closed September 2024
Loan Programs To Suit Every Orange County Borrower's Needs!
With access to hundreds of mortgage investors, we offer flexible home loan options for nearly every situation. Whether you're applying with 1099 income, running your own business, looking to leverage your assets, we’ve got you covered. We're here to say yes where traditional lenders have said no. Let us help you make homeownership happen.
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Asset Depletion Mortgage for HNW Individuals
Leverage your assets to qualify for your dream home with an asset depletion mortgage. Use your bank accounts, investment portfolios, and retirement funds as income. Our asset-based lending solutions are ideal for high net worth individuals with non-traditional income.
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Self Employed Mortgages For Entrepreneurs and 1099 earners
Getting a mortgage for self employed income shouldn't be so hard. We make it easy with self employed mortgage options that don’t require tax returns or W2s—no red tape, just real solutions.
Crypto-Backed Mortgages for Bitcoin and Ethereum Investors
Buy a house with bitcoin without selling a token using crypto-backed mortgages! No income needed. Qualify to buy your dream home using just your Bitcoin and Ethereum holdings
RSU Mortgages For Tech Employees
Leverage your Restricted Stock Units to qualify for a mortgage without waiting or cashing out shares. Our RSU mortgage program recognizes vested stock grants as income, giving tech employees and equity-compensated professionals a faster path to homeownership.
Buy Before You Sell
Move into your new home before selling your current one with our Buy Before You Sell program. Unlock your equity upfront, avoid contingent offers, and buy with confidence—without the stress of timing two closings.
One Time Close Construction Loans
Build your dream home and skip the stress of multiple closings. Our one-time close construction loan covers construction and permanent financing—saving time, money, and hassle from start to finish.
Straightforward Qualification That Works for Orange County Buyers
Securing a jumbo loan in Orange County shouldn’t be complicated. At LendFriend, we make the process clear and efficient.
Transparent income, credit & DTI guidelines
We explain jumbo loan requirements—credit score, documentation, and debt-to-income ratios—so you know exactly what’s expected.
Solutions for self-employed, tech employees, and investors
Not every borrower is W-2. We specialize in jumbo loans for self-employed buyers, RSU-heavy earners, and investors with complex financials.
Get Started On Your Orange County Home Purchase Today
Whether you’re purchasing a Newport Beach waterfront estate, a Huntington Beach coastal home, an Irvine family residence, or a Dana Point villa, we’ll build a jumbo loan strategy around your goals. From 10% down jumbo options to flexible Non-QM solutions, we make sure you’re set up for success.
Apply for a jumbo loan online or connect with a local expert today. We’ll compare current jumbo mortgage rates in Orange County, explain how jumbo loans differ from conforming limits, and map out a clear path to closing. Many of our clients in Newport Beach, Huntington Beach, Dana Point, and Irvine close in 30 days or less.
FAQs – Getting a Jumbo Loan In Orange County
What loan amount qualifies as a jumbo loan in Orange County?
For 2025, the conforming loan limit for a one-unit property in Orange County is $1,209,750. Any mortgage above this amount is considered a jumbo loan. Because Orange County is a high-cost area, many homes in Newport Beach, Huntington Beach, Dana Point, and Irvine require jumbo financing by default.
How much can I borrow with a jumbo loan in Orange County?
With strong qualifications, jumbo loan amounts can reach $5 million or more. In Orange County’s luxury markets—such as oceanfront properties in Dana Point or estates in Newport Coast—it’s common for buyers to use jumbo financing well into the multi-million range. The higher the loan amount, the stricter lenders will be with debt-to-income ratios, loan-to-value requirements, reserves, and credit scores.
Do jumbo loans require perfect credit?
Not always. While a credit score of 705+ is preferred for the most competitive jumbo loan rates, borrowers with slightly lower scores may still qualify with compensating factors like larger down payments or high reserves.
Can I get a jumbo loan if I’m self-employed or have complex income?
Yes. Many Orange County professionals, entrepreneurs, and investors don’t fit neatly into a W-2 box. That’s why we offer non-QM jumbo programs including RSU-based mortgages, bank statement loans, and crypto-backed mortgages. These options allow buyers in high-cost markets to qualify without relying solely on tax returns.
What property types are eligible for jumbo financing?
Eligible properties include single-family homes, condos, townhomes, second homes, and 2–4 unit investment properties. Whether it’s a Huntington Beach coastal home, a Newport Beach estate, an Irvine family home, or a Dana Point villa, we structure jumbo financing that matches your property and purchase goals.
How do jumbo loan interest rates compare to conventional rates?
In high-cost markets like Orange County, 30-year jumbo mortgage rates can be just as competitive—or even lower—than conventional loan rates, depending on the lender and borrower profile. Many clients save money with jumbo ARM rates like the 7/1 or 10/1 if they plan to move, sell, or refinance within a few years.
Can I refinance a jumbo loan?
Yes. A jumbo refinance allows homeowners to lower their interest rate, switch from an ARM to a fixed mortgage, or access equity. Jumbo refinance rates can vary by lender, but strong borrowers in markets like Newport Beach, Huntington Beach, and Irvine often secure highly competitive terms.
Why Choose LendFriend?
At LendFriend Mortgage, jumbo loans aren’t just one of the programs we offer—they’re a core specialty. We match borrowers with the right jumbo lender for their property, financial profile, and goals, with no hidden fees and a process built for speed. Whether you want a fixed 30-year, a 7/1 ARM, or a flexible non-QM option, we make it simple to get approved and close quickly.
Around the Clock
We’re available 7 days a week to help you compare jumbo mortgage rates, review lender options, and move forward with confidence—whether you’re buying a primary home, second home, or investment property.
Loan Options
We offer a full range of jumbo financing solutions, from conventional fixed rates to ARMs, bank statement loans, and asset depletion programs—so you get the right fit for your goals.
Get Pre-Approved Quickly
Our jumbo preapproval process strengthens your offer and gives sellers confidence in your ability to close on higher-priced properties. You can apply for a jumbo loan online in minutes, making it faster and easier to get started.
Competitive Rates with No Points
We shop multiple jumbo lenders to find the most competitive rates for your profile—without unnecessary points or hidden charges.
Personalized Mortgage Guidance
You’ll work one-on-one with a jumbo mortgage expert who will explain your options, help you structure your file for approval, and guide you through underwriting with clarity.
Close in less than 30 days
Our process is designed for larger transactions, so most jumbo loans close in 30 days or less—even in competitive markets like Austin, Dallas, and Houston.