Does Elite Fundings work with Huntington Beach homebuyers?

Yes — Huntington Beach is part of our Southern California service area. Elite Fundings is licensed throughout California (NMLS #2046870, CA DRE #02004333). Call (626) 833-7449 to discuss your scenario.

What loan programs work well in Huntington Beach?

Strong rental and vacation-rental investor demand near the pier. DSCR and STR DSCR programs get heavy use. The programs that fit best locally include: DSCR Rental Loan, Short-Term Rental DSCR (Airbnb), Prime Jumbo, Conventional 30-Year Fixed.

All Service Areas

Orange County

Huntington Beach Mortgage Broker.

Name: Elite Fundings — California Mortgage Team
Address: 552 E Badillo St, Covina, CA, 91723, US
Telephone: (626) 833-7449
Price range: $$

Mortgage lending in Huntington Beach — SFR, 2–4 unit, and DSCR investment on the beach side.

Elite Fundings · NMLS #2046870 · CA DRE #02004333

Apply for a Huntington Beach loan Talk to Elite Fundings

About the Huntington Beach market

Strong rental and vacation-rental investor demand near the pier. DSCR and STR DSCR programs get heavy use.

Neighborhoods we serve in Huntington Beach

Downtown HBSunset BeachHuntington HarbourEdwards Hill

Common ZIP codes: 92646, 92647, 92648, 92649.

Programs that fit Huntington Beach best

DSCR

DSCR Rental Loan

Qualify a rental property on the property's own cash flow — no personal income documentation.

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DSCR

Short-Term Rental DSCR (Airbnb)

DSCR loan using projected short-term rental income (AirDNA or 12-month Airbnb/VRBO history).

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Jumbo

Prime Jumbo

Full-doc jumbo above the 2026 county limit. Los Angeles and Orange: over $1,249,125.

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Agency Fixed-Rate

Conventional 30-Year Fixed

The most common mortgage in America. Fixed rate and payment for 30 years, conforming to Fannie Mae / Freddie Mac guidelines. Available for primary residences, second homes, and investment property purchases.

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FAQs — Huntington Beach mortgage financing

Does Elite Fundings work with Huntington Beach homebuyers?: Yes — Huntington Beach is part of our Southern California service area. Elite Fundings is licensed throughout California (NMLS #2046870, CA DRE #02004333). Call (626) 833-7449 to discuss your scenario.
What neighborhoods in Huntington Beach do you serve?: Across all of Huntington Beach — including Downtown HB, Sunset Beach, Huntington Harbour, Edwards Hill. Common ZIP codes: 92646, 92647, 92648, 92649.
What loan programs work well in Huntington Beach?: Strong rental and vacation-rental investor demand near the pier. DSCR and STR DSCR programs get heavy use. The programs that fit best locally include: DSCR Rental Loan, Short-Term Rental DSCR (Airbnb), Prime Jumbo, Conventional 30-Year Fixed.

This site does not quote a rate or APR you can lock. A rate, APR, and terms depend on creditworthiness, loan-to-value, property type, occupancy, loan amount, loan program, and other factors, and come from a licensed loan officer. Not all applicants will qualify.