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Home loans

Home Loan Options in Orange County

An overview of common mortgage programs for buyers and homeowners in Orange County, across the U.S., and clients in Asia financing U.S. property.

  • First-time buyers

    First-Time Home Buyer Loans

    First-time home buyer guidance in Orange County: loan options, down payment assistance, and the steps to get pre-approved. NMLS 1597078.

    Learn more: First-Time Home Buyer Loans

  • Government-backed

    FHA Loans

    Learn how FHA loans work: 3.5% down with a qualifying credit score, mortgage insurance, and loan limits. Guidance from Ben Cat, NMLS 1597078.

    Learn more: FHA Loans

  • For veterans

    VA Loans

    VA home loans for eligible veterans, service members, and surviving spouses: often no down payment and no monthly PMI. Guidance from Ben Cat, NMLS 1597078.

    Learn more: VA Loans

  • Most common

    Conventional Loans

    How conventional mortgages work: down payments from 3% for qualifying buyers, PMI that can be removed, and fixed or adjustable terms. NMLS 1597078.

    Learn more: Conventional Loans

  • Higher-priced homes

    Jumbo Loans

    Jumbo and high-balance loans for higher-priced Orange County homes: limits, down payment, and reserves explained. Ben Cat, NMLS 1597078.

    Learn more: Jumbo Loans

  • For homeowners

    Refinance

    When does refinancing make sense? Compare rate-and-term, cash-out, and streamline refinance options and your break-even point. NMLS 1597078.

    Learn more: Refinance

Ben V. Cat, California real estate salesperson DRE #02030696 and mortgage loan originator NMLS #1597078, licensed under Century Financial Group, Corp. (DRE #01930905). Loans are offered only in states where Ben V. Cat is licensed — see NMLS Consumer Access. Not a commitment to lend; all loans are subject to credit and underwriting approval.