Costa Mesa Mortgage Loan Originator
Local guidance for Costa Mesa buyers, homeowners, and investors — with your loan shopped across the wholesale market.
Mortgage Loan Originator Serving Costa Mesa, CA
Loan Programs
✓ FHA (3.5% down, 580 score)
✓ VA (0% down, no MI)
✓ Jumbo (above $832,750)
✓ HELOC & HELOAN
✓ DSCR Investor Loans
✓ Bank Statement (self-employed)
Why Baker Lending Powered by West Capital Lending, Inc.
✓ Lower rates than retail banks
✓ One application, multiple offers
✓ Licensed in California and 32 other licensed states
✓ 4.96★ on Experience.com
✓ Close in 21–30 days
✓ Direct access: (949) 565-2705
Andrew Baker · NMLS 2688601 · (949) 565-2705
Costa Mesa Mortgage Questions
What credit score do I need to buy a home in Costa Mesa?
There is no single minimum — it depends on the program. FHA loans generally start around a 580 score with 3.5% down, and conventional loans typically ask for more. VA sets no minimum score, though individual lenders apply their own overlays. Because Baker Lending works with 175+ wholesale lenders, Costa Mesa borrowers have more than one guideline set to work with.
How much do I need to put down to buy a house in Costa Mesa, CA?
That depends on the program. Conventional financing can go as low as 3% down, FHA requires 3.5%, and eligible veterans can use a VA loan with no down payment at all. Jumbo financing on higher-priced Orange County properties generally requires more. Closing costs are separate from the down payment.
Can I get a mortgage in Costa Mesa if I'm self-employed?
Yes. Self-employed buyers in Costa Mesa whose tax returns do not show enough qualifying income can often use a bank statement loan, which qualifies you on 12 to 24 months of business or personal deposits instead. Investors buying rentals can use a DSCR loan, which qualifies on the property's rental income rather than personal income.
What is the typical closing timeline in Costa Mesa, CA?
Most purchase loans in Costa Mesa close in about 21 to 30 days from a complete application. The timeline depends on appraisal turn times in Orange County, how quickly income and asset documents come back, and the dates written into your purchase contract. Refinances often run a little longer, since no contract deadline is driving the file.
What types of home loans can I get in Costa Mesa, CA?
Baker Lending originates conventional, FHA, VA, jumbo, HELOC and home equity, HEI/HEA, reverse, DSCR investor, and bank statement loans throughout Costa Mesa and the rest of California. The 2026 conforming loan limit is $832,750 in most counties and higher in designated high-cost counties; anything above your county's limit is financed as a jumbo loan.
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