Does Elite Fundings work with Irvine homebuyers?

Yes — Irvine 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 Irvine do you serve?

Across all of Irvine — including Turtle Rock, Quail Hill, Woodbridge, Northwood, Great Park, and more. Common ZIP codes: 92602, 92603, 92604, 92606, 92612, 92614, 92617, 92618, 92620.

What loan programs work well in Irvine?

Tech and biotech income dominate. RSU-based qualifying and high-balance / jumbo programs are the default. Non-warrantable condos appear in newer master-planned projects. The programs that fit best locally include: RSU / Restricted-Stock Income, Prime Jumbo, High-Balance Conforming, Asset Qualifier / Asset Depletion.

All Service Areas

Orange County

Irvine Mortgage Broker.

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

Mortgage financing in Irvine — tech professionals, master-planned communities, and jumbo purchases.

Elite Fundings · NMLS #2046870 · CA DRE #02004333

Apply for a Irvine loan Talk to Elite Fundings

About the Irvine market

Tech and biotech income dominate. RSU-based qualifying and high-balance / jumbo programs are the default. Non-warrantable condos appear in newer master-planned projects.

Neighborhoods we serve in Irvine

Turtle RockQuail HillWoodbridgeNorthwoodGreat ParkPortola Springs

Common ZIP codes: 92602, 92603, 92604, 92606, 92612, 92614, 92617, 92618, 92620.

Programs that fit Irvine best

Alt-Doc — Equity Comp

RSU / Restricted-Stock Income

Qualify using RSU vesting schedules — common for tech, biotech, and finance employees.

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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

High-Balance Conforming

Los Angeles and Orange: 2026 high-balance ceiling is $1,249,125. Above that, jumbo is a desk check.

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Alt-Doc — Asset-Based

Asset Qualifier / Asset Depletion

Qualify using liquid assets depleted over a loan term — no income documentation required.

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FAQs — Irvine mortgage financing

Does Elite Fundings work with Irvine homebuyers?: Yes — Irvine 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 Irvine do you serve?: Across all of Irvine — including Turtle Rock, Quail Hill, Woodbridge, Northwood, Great Park, and more. Common ZIP codes: 92602, 92603, 92604, 92606, 92612, 92614, 92617, 92618, 92620.
What loan programs work well in Irvine?: Tech and biotech income dominate. RSU-based qualifying and high-balance / jumbo programs are the default. Non-warrantable condos appear in newer master-planned projects. The programs that fit best locally include: RSU / Restricted-Stock Income, Prime Jumbo, High-Balance Conforming, Asset Qualifier / Asset Depletion.

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.