Because Orange County is a high-cost area, you have more room than most of the country before you ever reach a true jumbo loan. For 2026, you can finance up to $832,750 at standard conforming terms, and up to $1,249,125 as a high-balance conforming loan — which still avoids the stricter jumbo guidelines. Above $1,249,125, you’re in jumbo territory, and that’s a world I know well: it has its own rules, rates, and documentation, and the wrong advisor can cost you weeks (or the deal).
I’ll position your loan to keep your terms as favorable as possible — and if jumbo is the right call, I’ll manage the appraisal, documentation, and underwriting so it actually closes on time.
Who it’s for: Buyers of higher-priced OC homes — Newport, Laguna, Irvine estates, custom builds.
Through a refinance you can typically access up to 80% of your home’s appraised value, less your current mortgage balance.
Most clients see their credit improve over time, because high-interest balances are paid off and replaced with one manageable, on-time payment.
