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Conventional
Competitive rates and flexible terms — as little as 3% down.
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🍊 Orange County's Friendly Mortgage Advisor
Hi, I'm Orange.
Hi, I'm Orange.
Home financing made simple.
Smart, stress-free home loans for buyers and homeowners across Orange County. Competitive rates, fast closings, and a real local expert in your corner — every step of the way.
- 4.9★ Rated by OC families
- $1.2B+ Loans funded
- 18 day Avg. close time
Today's 30-yr Fixed
6.125% APR
Lock your rate in minutes
✓
Pre-Approved
You're one step closer to home
Local Experts
Competitive Rates
Fast & Easy Process
Personal Service
Equal Housing Lender
Loan Options
The right loan for every move
Whether you're buying your first home, upgrading to your dream property, or refinancing — Orange matches you to the program that saves you the most.
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Jumbo
Financing for Orange County's luxury homes above conforming limits.
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FHA
Low down payments and easier credit requirements.
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VA
$0 down and no PMI for veterans and active-duty service.
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First-Time Buyer
Down-payment help and guidance for your first purchase.
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Refinance
Lower your rate, tap equity, or shorten your term — free.
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Let's make your dream home a reality!
Why Orange
A local expert who actually picks up the phone
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Local Expertise
Born and based in Orange County. We know the neighborhoods, the values, and the deals.
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Fast & Easy
A modern, paperless process and an average close time of just 18 days.
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Great Rates
Access to dozens of lenders means we shop the market so you don't have to.
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Personal Service
One dedicated advisor from pre-approval to closing — no call centers, ever.
Mortgage Calculator
See your monthly payment in seconds
Adjust the numbers below for an instant, no-strings estimate of your principal & interest. Ready for the real thing? Orange will get you a personalized quote.
Get My Exact Rate →
Estimated monthly payment
$6,073/mo
Loan amount $1,000,000 · Principal & interest only
How It Works
From pre-approval to keys in hand
Four simple steps. One friendly orange guiding you through each of them.
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1
Get Pre-Approved
A quick application tells you exactly what you can afford — and makes your offer stand out.
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2
Find Your Loan
Orange compares programs and lenders to lock in the best rate for your situation.
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3
Underwrite & Appraise
We handle the paperwork and keep everything moving so there are no surprises.
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4
Close & Celebrate
Sign, get your keys, and welcome home. Average close time: just 18 days.
Proudly Serving
We know Orange County
From the coast to the canyons, Orange has helped families finance homes across the county. Don't see your city? We almost certainly serve it too.
- Irvine
- Newport Beach
- Laguna Beach
- Huntington Beach
- Anaheim
- Costa Mesa
- Fullerton
- Mission Viejo
- And more!
Loved Locally
Trusted by hundreds of OC families
★★★★★
Orange got us into our Irvine home with a rate nobody else could match. The whole thing felt effortless.
★★★★★
First-time buyers and totally overwhelmed — until Orange. Clear answers, fast replies, closed early.
★★★★★
Refinanced our Newport Beach jumbo loan and saved over $900 a month. Can't recommend enough.
Let's make your dream home a reality
Tell Orange a little about your goals and get a personalized strategy — no pressure, no fees, no jargon.
- ✓ Free pre-approval
- ✓ Same-day response
- ✓ No impact to credit to start