Mortgage broker serving Newport Beach, CA, offering a full range of loan programs - purchases, refinancing, investment properties, FHA, VA, jumbo, DSCR, bank statement loans, down payment assistance, and more. Personalized programs for your unique situation. 40+ years California mortgage experience.
Schedule a quick 15-minute call and we'll match you to the right program and give you the best rate for your unique situation.
We as brokers shop hundreds of lenders for you. Banks offer their own limited products.
As mortgage specialists serving Newport Beach buyers, we match your unique situation to the right program.
Newport Beach buyers in the luxury segment face unique challenges with high-value properties exceeding $1.25M.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Newport Beach purchase.
SCHEDULE FREE CONSULTATION"For over 30 years, A Good Lender has been a trusted and essential part of my family's financial journey, guiding us through more than a dozen mortgage financing transactions with professionalism, integrity and care. What sets A Good Lender apart is their reliability and ability to demystify the mortgage process."
"Rodney Roloff & The Team at A Good Lender made my house buying process a breeze. Rodney helped me to better understand the loan process and walked me through everything step by step. If your looking for a good lender. One who will help you get the best rate. I highly recommend reaching out to Rodney and his team at 'A good lender'"
"From our first home buying experience, to exploring HELOC options, and refinancing, every step we were supported with clear and accurate information. A team who's knowledgeable, prompt to respond to any questions, and who genuinely cares for their clients is a rare find in this industry."
We've simplified the mortgage maze into four clear steps. No surprises, just results.
Complete your loan application online and upload your documents. We'll review everything to make sure it's complete before submitting to our lending partners.
We submit your application to our lending partners. Their underwriters review your documents, verify your income and credit, and issue your loan approval.
Sign your final documents, get your keys, and move into your Newport Beach home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Newport Beach starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Newport Beach home buyers—covering purchase loans, refinance, commercial real estate, and specialized financing like bank statement and jumbo loans. Explore the general programs to compare down payment options and requirements, or apply now for a custom financing solution tailored to your Newport Beach property.
Whether you're buying your first condo or a $3M estate, we offer comprehensive financing solutions with 14-day closings. Explore our complete range of purchase loan programs below.
Refinance to lower your interest rate, shorten your loan term, or access home equity for renovations, debt consolidation, or investment opportunities. Explore all refinance programs below.
Finance commercial real estate, owner-occupied buildings, or business expansions. Explore all commercial financing programs below.
Finance new construction, renovations, or land purchases. Explore all construction and renovation programs below.
From condos and townhomes to multi-family buildings and unique property types. Explore all specialized property financing programs below.
We specialize in complex financing scenarios where traditional loans don't fit. Explore all niche programs below.
Access California's down payment assistance programs. Explore all DPA programs below.
Self-employed professionals, freelancers, and business owners. Explore all special income documentation programs below.
Speed & Certainty
Whether you're buying your first condo or a $3M estate, we offer comprehensive financing solutions with 14-day closings. Explore our complete range of purchase loan programs below.
Rate & Term, Cash-Out
Refinance to lower your interest rate, shorten your loan term, or access home equity for renovations, debt consolidation, or investment opportunities. Explore all refinance programs below.
SBA 504 & 7(a)
Finance commercial real estate, owner-occupied buildings, or business expansions. Explore all commercial financing programs below.
Build & Improve
Finance new construction, renovations, or land purchases. Explore all construction and renovation programs below.
Specialized Properties
From condos and townhomes to multi-family buildings and unique property types. Explore all specialized property financing programs below.
Complex Scenarios
We specialize in complex financing scenarios where traditional loans don't fit. Explore all niche programs below.
CalHFA & Local DPA
Access California's down payment assistance programs. Explore all DPA programs below.
Alternative Documentation
Self-employed professionals, freelancers, and business owners. Explore all special income documentation programs below.
Popular loan programs for Newport Beach homebuyers. Compare options and find your best fit.
| Loan Type | Down Payment | Credit Score | Best For |
|---|---|---|---|
| Jumbo | 10-20% | 680+ | Luxury properties above $1,249,125 |
| Bank Statement | 10-20% | 660+ | Self-employed, business owners, tech consultants |
| Asset Depletion | 10-20% | 680+ | Retirees, investors with $500K+ liquid assets |
| VA | $0 | No minimum | Veterans, active military (0% down on any price) |
| DSCR | 20-25% | 660+ | Investment properties, no income verification |
| No Down Payment Program Featured | $0 (3.5% grant) | 580+ | First-time buyers - grant covers FHA or Conventional down payment |
| Reverse Mortgage | N/A | No minimum | Seniors 62+ accessing Newport Beach home equity |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Most Newport Beach homes exceed the $1.25M limit. Jumbo financing is required for virtually all purchases here.
Newport Beach buyers can qualify using investment portfolios. Asset depletion converts holdings to qualifying income.
Self-employed Newport Beach buyers use bank deposits instead of tax returns. 12-24 months statements qualify.
Buy your next Newport Beach home before selling. Bridge loans cover the gap between properties.
International buyers purchase Newport Beach properties with foreign national loans. No US credit required.
Newport Beach tech buyers use RSUs and stock options to qualify. Equity compensation counts as income.
Newport Beach investors buy in LLC names. Asset protection with entity financing.
Newport Beach homeowners can access equity for investments. Cash-out refi up to 80% LTV on jumbo.
Refinance Newport Beach properties under $1.25M at conforming rates. Entry-level homes only.
HELOC access for Newport Beach homeowners. Flexible credit line against substantial equity.
Home equity loans for Newport Beach owners. Fixed-rate second mortgage against your equity.
VA IRRRL for Newport Beach veterans. Refinance existing VA loan with no appraisal needed.
Newport Beach investors can cash-out immediately after purchase. No seasoning required.
Newport Beach investment properties qualify on rental income alone. DSCR loans skip employment verification.
Newport Beach renovation projects get fix-and-flip financing. Short-term funding for major rehabs.
Multifamily financing for Newport Beach apartment buildings. 5+ unit commercial loans available.
Hard money for Newport Beach commercial deals. Fast funding when speed matters.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Newport Beach buyers with qualifying income.
CalHFA assistance technically available but rarely used in Newport Beach's luxury market.
Family property transfers in Newport Beach use gift of equity. Seller gifts equity as down payment.
Parents can co-sign for Newport Beach purchases. Non-occupant co-borrower boosts qualifying income.
Every situation is unique. The right loan program depends on your unique situation. See what works best for you.
Questions? Call (510) 589-4096 or email info@agoodlender.com
Newport Beach sits on the Orange County coast about 45 miles south of LA. Population is 85,159, median household income $149,471. The homeownership rate here is 52.5%, lower than the state average, because at $3.735M median home price, you're looking at one of the most expensive real estate markets in California. This isn't a first-time buyer market unless you've got serious equity or family money. Most purchases here require jumbo loans well above conforming limits, and lenders expect 20-30% down plus stellar credit.
The school situation is a major reason families justify the price tag here. Newport Harbor High and Corona del Mar High both pull strong ratings and send kids to top universities. Ensign Intermediate, Newport Elementary, and Lincoln Elementary round out the district. When you're financing a $4M property, you want to know the schools will protect your investment. The district's reputation keeps demand high, which matters when you're carrying a $15K-$20K monthly mortgage payment. Families who buy here tend to stay through high school, so you're not just buying a house - you're buying into a school system that holds resale value even when the broader market softens.
Where you buy in Newport Beach determines your loan structure and what kind of waterfront access you get. Balboa Island runs $3.7M for small beach cottages with harbor frontage - you're paying for location and the walk-everywhere lifestyle, and most buyers use jumbo loans with significant down payments. Corona del Mar offers the same price point but with more space, tide pools, and PCH village charm - popular with families upgrading from other Orange County cities. Balboa Peninsula properties at $3.7M get you closer to open ocean, with the piers and Fun Zone nearby - these often require portfolio loans if the property is older or unique. Newport Coast pushes the same range but trades beachfront for hillside views and newer construction near Pelican Hill - conventional jumbos work well here. Lido Isle is the yacht crowd, $3.7M for waterfront homes with private docks - expect strict lending scrutiny and higher insurance costs.
The commute to LA runs about 53 minutes, Santa Monica 57 minutes, but here's the thing - most Newport Beach buyers aren't commuting to LA daily. Irvine is 14 minutes, which matters because that's where a lot of the high-paying jobs are. Long Beach is 39 minutes if you work in that direction. The lack of a brutal commute means you can justify the mortgage payment without also losing two hours a day in the car. Local transit exists but let's be real - at this price point, you're driving. The proximity to John Wayne Airport is a bigger deal for the business crowd here than public transportation.
Hoag Memorial Hospital Presbyterian is the largest employer and brings high-income medical professionals to the market - doctors and executives who can qualify for jumbo loans. PIMCO headquarters here, and that's serious money in finance and investment management. Newport-Mesa Unified School District provides stable public sector jobs. Fashion Island and the City of Newport Beach round out the major employers. The job mix skews heavily toward high earners - finance, healthcare leadership, business ownership. Most buyers here are either established in high-paying careers, selling equity from another California property, or bringing wealth from elsewhere. You'll need documented income well into six figures to make the numbers work with most lenders.
Common questions from Newport Beach homebuyers and refinance clients. Can't find your answer? Book a 15-minute call with a Senior Loan Officer.
Pre-approval typically takes 24-72 hours. Full underwriting approval takes 14-21 days. We work with lenders offering express underwriting for strong borrowers who need faster closings.
Standard documents needed: pay stubs (last 30 days), W-2s (past 2 years), tax returns (past 2 years), bank statements (past 2 months), and photo ID. Self-employed borrowers need business tax returns and P&L statements. We'll provide a complete checklist for your situation.
Typical Newport Beach closing timeline: 30-45 days from accepted offer. VA/FHA loans may take slightly longer. Cash buyers close in 7-14 days. We work to meet your timeline and coordinate with all parties to close on schedule.
You have several low down payment options in Newport Beach: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Newport Beach buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Newport Beach buyers. We also offer our 6-Month Forgivable Grant (covers 3-3.5% down, forgiven after 6 months), CalHFA programs, and local first-time buyer assistance. Unlike CalHFA's 5-year requirements, our programs have no income limits and no first-time buyer requirement.
Yes! Zero-down options for Newport Beach buyers include: VA loans (eligible veterans), USDA loans (eligible rural areas), and our 6-Month Forgivable Grant Program combined with seller concessions for closing costs. Many Newport Beach families purchase with minimal upfront cash.
2026 Orange County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Newport Beach properties fall within conforming limits, maximizing your financing options.
For Newport Beach's $500,000 median price: FHA is better for credit scores under 680 or down payments under 5%—it's more forgiving on DTI ratios too. Conventional is better with 5%+ down and 700+ credit (lower PMI costs). We compare both options for your specific situation.
A denial doesn't mean you can't buy in Newport Beach. We review your denial letter, identify the specific issues (credit, DTI, income documentation), and match you with lenders who have more flexible guidelines. Common solutions include FHA loans for credit flexibility, alternative documentation, or co-borrower structures.
Credit requirements by loan type: FHA accepts 580+ (or 500 with 10% down), conventional starts at 620, VA at 620+. Our zero-down grant program works with 640+. Higher scores (720+) get better rates, but we work with borrowers across the credit spectrum.
Absolutely—first-time buyers are our specialty in Newport Beach. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Orange County, and structure your purchase to minimize upfront costs.
You still have options in Newport Beach. FHA loans accept credit scores as low as 580 (or 500 with 10% down). We also offer credit improvement strategies and can connect you with rapid rescoring services to boost your score before applying. Many buyers improve 20-50 points within 30 days.
As a mortgage broker, we shop your scenario across 50+ wholesale lenders to find the best pricing. Unlike retail banks that only offer their own rates, we show you side-by-side comparisons with identical terms. No junk fees or hidden charges—just transparent pricing.
You work directly with a Senior Loan Officer (15+ years average experience) from application through closing—not a call center. We have local Orange County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Newport Beach typically run 2-4% of the purchase price. On a $500,000 home, expect $10,000-$20,000 covering appraisal, title insurance, escrow fees, and prepaids. FHA allows sellers to contribute up to 6% toward your closing costs.
Pre-approval typically takes 24-72 hours. Full underwriting approval takes 14-21 days. We work with lenders offering express underwriting for strong borrowers who need faster closings.
You have several low down payment options in Newport Beach: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Newport Beach buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Newport Beach. We review your denial letter, identify the specific issues (credit, DTI, income documentation), and match you with lenders who have more flexible guidelines. Common solutions include FHA loans for credit flexibility, alternative documentation, or co-borrower structures.
As a mortgage broker, we shop your scenario across 50+ wholesale lenders to find the best pricing. Unlike retail banks that only offer their own rates, we show you side-by-side comparisons with identical terms. No junk fees or hidden charges—just transparent pricing.
You work directly with a Senior Loan Officer (15+ years average experience) from application through closing—not a call center. We have local Orange County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Newport Beach typically run 2-4% of the purchase price. On a $500,000 home, expect $10,000-$20,000 covering appraisal, title insurance, escrow fees, and prepaids. FHA allows sellers to contribute up to 6% toward your closing costs.
Standard documents needed: pay stubs (last 30 days), W-2s (past 2 years), tax returns (past 2 years), bank statements (past 2 months), and photo ID. Self-employed borrowers need business tax returns and P&L statements. We'll provide a complete checklist for your situation.
Typical Newport Beach closing timeline: 30-45 days from accepted offer. VA/FHA loans may take slightly longer. Cash buyers close in 7-14 days. We work to meet your timeline and coordinate with all parties to close on schedule.
Credit requirements by loan type: FHA accepts 580+ (or 500 with 10% down), conventional starts at 620, VA at 620+. Our zero-down grant program works with 640+. Higher scores (720+) get better rates, but we work with borrowers across the credit spectrum.
2026 Orange County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Newport Beach properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Newport Beach buyers. We also offer our 6-Month Forgivable Grant (covers 3-3.5% down, forgiven after 6 months), CalHFA programs, and local first-time buyer assistance. Unlike CalHFA's 5-year requirements, our programs have no income limits and no first-time buyer requirement.
Yes! Zero-down options for Newport Beach buyers include: VA loans (eligible veterans), USDA loans (eligible rural areas), and our 6-Month Forgivable Grant Program combined with seller concessions for closing costs. Many Newport Beach families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Newport Beach. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Orange County, and structure your purchase to minimize upfront costs.
You still have options in Newport Beach. FHA loans accept credit scores as low as 580 (or 500 with 10% down). We also offer credit improvement strategies and can connect you with rapid rescoring services to boost your score before applying. Many buyers improve 20-50 points within 30 days.
For Newport Beach's $500,000 median price: FHA is better for credit scores under 680 or down payments under 5%—it's more forgiving on DTI ratios too. Conventional is better with 5%+ down and 700+ credit (lower PMI costs). We compare both options for your specific situation.
The FHA loan limit in Newport Beach is $1,250,000 for 2025. However, with the median home price at $3.7M, most properties here exceed FHA limits, making jumbo financing the standard option. FHA loans are rarely used in Newport Beach's ultra. luxury market.
Yes, you'll almost certainly need a jumbo loan in Newport Beach since most homes are priced at $3M or higher. With the conforming loan limit at $1,250,000, any mortgage above that amount requires jumbo financing. The majority of Newport Beach buyers use jumbo loans or purchase with significant cash.
For 2025, Orange County's loan limits are $1,250,000 for conforming, FHA, and VA loans. The 2026 limits haven't been announced yet, but they're typically released in November 2025. Given Newport Beach's $3.7M median price, most buyers here will need jumbo loans regardless of these limits.
Yes, the VA loan limit in Newport Beach is $1,250,000 with no down payment required up to that amount. For homes above $1,250,000, you'll need a 25% down payment on the amount exceeding the limit. Given that most Newport Beach homes are $3M+, eligible veterans often combine VA benefits with substantial down payments or consider jumbo VA options.
Our No Money Down program offers $0 down payment for qualified buyers. However, with Newport Beach's $3.7M median price and high. net. worth buyer profile, most purchasers don't qualify for traditional DPA programs due to income limits. CalHFA and Orange County programs have strict income caps that typically exclude buyers in this ultra. luxury market.
For Newport Beach's luxury market, jumbo loans typically require 10. 20% down, meaning $370,000 to $740,000 on a median. priced $3.7M home. Many high. net. worth buyers put down 20. 30% or more to secure better rates and terms. Cash purchases are also common in this market, accounting for a significant portion of transactions.
For jumbo loans in Newport Beach's ultra. luxury market, you'll typically need a credit score of at least 680. 700, though 740+ gets you the best rates. Most lenders prefer 720 or higher for loans on multi. million dollar properties. Given the complex financial profiles common here, strong credit combined with substantial assets and income documentation is essential.
In Newport Beach's ultra. luxury market, choose a lender experienced with jumbo loans and high. net. worth clients who have complex income situations like stock options, business ownership, or trust assets. You'll want someone who can close quickly on competitive properties and offer portfolio loan options beyond standard programs. Look for lenders with proven track records on $3M+ transactions in Orange County's luxury markets.
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