Mortgage Broker in Irvine, CA

Irvine is one of California's most expensive planned communities, with a median home price around $1.30M — well above the Orange County conforming limit, making jumbo loans the default financing for most Irvine purchases. The Irvine Company's master-planned communities (Woodbury, Portola Springs, Orchard Hills) attract buyers who value top-rated Irvine Unified schools, low crime, and modern amenities. Many Irvine buyers are tech professionals working at the Spectrum business corridor or UCI, with compensation packages that include RSUs, stock options, and bonuses — complex income that traditional bank underwriting often struggles with. Our Non-QM and asset-based programs solve this gap, qualifying buyers on bank statement deposits or liquid asset reserves rather than tax returns. The Great Park neighborhood development is Irvine's newest master plan, with homes from $800K to $3M+ creating demand across conventional, jumbo, and super-jumbo loan tiers. Foreign national buyers from China, Taiwan, and South Korea are active in Irvine's market — our foreign national programs provide financing pathways without requiring U.S. credit history or Social Security numbers.