Your Orange County Mortgage Loan Originator

Mortgage Services in Orange County

Andrew Baker · NMLS 2688601 · (949) 565-2705

Is there a minimum credit score for a home loan in Orange County?

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, Orange County borrowers have more than one guideline set to work with.

What down payment do I need in Orange County?

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 the Orange County area properties generally requires more. Closing costs are separate from the down payment.

Can I get a mortgage in Orange County if I'm self-employed?

Yes. Self-employed buyers in Orange County 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 Orange County, CA?

Most purchase loans in Orange County close in about 21 to 30 days from a complete application. The timeline depends on appraisal turn times in the Orange County area, 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.

Which mortgage programs do you offer in Orange County?

Baker Lending originates conventional, FHA, VA, jumbo, HELOC and home equity, HEI/HEA, reverse, DSCR investor, and bank statement loans throughout Orange County 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.