Where can I get an FHA loan near me in Newport Beach?

Our Newport Beach office at 4000 MacArthur Blvd, Suite 600, Newport Beach, CA 92660 handles FHA loans across Orange County. Save Financial is a licensed California mortgage broker (NMLS #377740, DRE #01875766) and a CalHFA-approved lender that shops several FHA lenders for you. Call (949) 379-5320. We are not affiliated with or endorsed by the FHA, HUD, or any government agency.

How much down payment do I need for an FHA loan in OC?

As little as 3.5% with a 580 credit score, and the entire down payment can come from a documented gift. With a score of 500–579, plan on 10% down instead.

What credit score does FHA require?

580 or higher gets you the 3.5% minimum down payment; a 500–579 score still qualifies with 10% down. That lower threshold is why FHA is a go-to for Orange County first-time buyers.

Can I use FHA on an Irvine or coastal condo?

Yes, if the condo project is FHA-eligible. For OC condo and townhome purchases we verify eligibility up front so your offer stands on solid ground.

What's the FHA loan limit in Orange County for 2026?

OC is a high-cost county, so the 2026 FHA ceiling is $1,249,125 — enough to reach across Costa Mesa, Tustin, Huntington Beach, and many coastal listings.

Does an FHA loan come with mortgage insurance?

Yes — both an upfront premium and an annual MIP. That's what pays for the low down payment and the flexible credit requirements.

Can OC buyers combine FHA with down-payment assistance?

Frequently, yes. We're a CalHFA-approved lender, so we can layer California assistance onto FHA for eligible Orange County buyers, confirmed before you write an offer.

Is Save Financial affiliated with the FHA or government?

No. Save Financial is an independent, licensed California mortgage broker (NMLS #377740, DRE #01875766) and is not affiliated with or endorsed by the FHA, HUD, or any government agency.

Which Orange County areas do you serve from this office?

All of Orange County and beyond — including Newport Beach, Corona del Mar, Balboa Island, Costa Mesa, Irvine, Huntington Beach, and more — plus every California county.

FHA Loans · Newport Beach, CA

FHA Loans in Newport Beach — Low-Down, Flexible-Credit Home Loans from a Local Broker

An FHA loan in Newport Beach lets you buy in Orange County with as little as 3.5% down and a credit score from 580 — with 2026 FHA limits up to $1,249,125 in high-cost OC. Save Financial (NMLS #377740), a local mortgage broker at 4000 MacArthur Blvd, Suite 600 and a CalHFA-approved lender, shops FHA lenders for you. Call (949) 379-5320.

FHA gives Orange County buyers a lower-down, more forgiving-credit path even at the top of the market. OC is a high-cost county, so the 2026 FHA limit reaches $1,249,125 — enough to buy in Costa Mesa, Tustin, or Huntington Beach and to reach many coastal properties. With just 3.5% down (which can be a documented gift) and CalHFA down-payment assistance available, first-time and budget-minded buyers who don't fit a conventional loan still have a real path in. For a lot of OC households, FHA is the difference between renting and owning.

Looking for an FHA Loan Near You in Newport Beach?

Our Orange County home office lets a first-time or lower-down buyer get pre-approved with a licensed loan officer in person, and see exactly what FHA plus any CalHFA assistance makes possible — not through a distant call center.

Save Financial — Newport Beach office
4000 MacArthur Blvd, Suite 600, Newport Beach, CA 92660
Phone: (949) 379-5320
Hours: Monday–Friday 8:00 AM–5:00 PM, Saturday 10:00 AM–2:00 PM (Sunday closed) PT

The office is in the Newport Center / airport area just off MacArthur and Jamboree, with easy access from the 73 toll road and the 405. We serve Orange County buyers from our Newport Beach office across the neighborhoods below.

Areas We Serve Near Our Newport Beach Office

Here is how FHA tends to fit for buyers across the areas we cover from Newport Beach:

Newport Beach: buyers using FHA up to the high-cost limit on qualifying homes.
Corona del Mar: first-time buyers reaching into the market with 3.5% down.
Balboa Island: FHA purchases on eligible properties with gift-funded down payments.
Costa Mesa: first-time and budget-minded FHA buyers near South Coast.
Irvine: FHA condo and townhome buyers where the project qualifies.
Huntington Beach: Surf City starter-home buyers using FHA plus CalHFA.
Laguna Beach: FHA within the high-cost county limit on eligible homes.
Tustin: family-neighborhood FHA buyers with low down payments.
Newport Coast: FHA where the price fits under the high-cost limit.

These are service areas of our Newport Beach office, not separate offices.

How an FHA Loan Works

An FHA loan is a government-insured mortgage built for buyers who want a low down payment and more flexible credit. You can put down as little as 3.5% with a 580 credit score (or 10% down with a score of 500–579), and 100% of that down payment can be a documented gift from family. It's one of the most popular paths for California first-time buyers.

FHA charges mortgage insurance — an upfront premium plus an annual MIP — in exchange for the low down payment. Orange County is a high-cost county, so the 2026 FHA limit reaches $1,249,125, giving FHA real reach across OC price points.

Save Financial is a CalHFA-approved lender, so we can pair FHA with California down-payment assistance where you qualify, and as a broker we shop multiple FHA lenders for your best terms. Save Financial is a licensed mortgage broker and is not affiliated with, or endorsed by, the FHA, HUD, or any government agency.

Common FHA Scenarios for Orange County Buyers

A first-time OC buyer putting 3.5% down, some or all of it a family gift.
A buyer whose credit (580+) is stronger for FHA than conventional.
A household combining FHA with CalHFA down-payment assistance.
A condo or townhome buyer on an FHA-eligible project.
A buyer reaching a higher price under the $1,249,125 high-cost limit.

Is an FHA Loan Right for You?

You're buying an Orange County primary residence with as little as 3.5% down.
Your credit starts around 580 — FHA's threshold is lower than conventional.
You're using gift funds for part or all of the down payment.
You want us to check CalHFA assistance eligibility (we're a CalHFA-approved lender).

FHA vs. Conventional vs. VA

These are the three main low-to-no-down purchase paths. Here's how they compare:

For a Orange County buyer	FHA	Conventional	VA
Minimum down	3.5% (580+ FICO)	As low as 3%	$0 with full entitlement
Credit	580+ for 3.5% down (500–579 with 10% down)	Typically higher	Flexible, lender-set
Mortgage insurance	Upfront + annual MIP	PMI (can drop off later)	None
2026 high-cost CA limit	Up to $1,249,125	Conforming limit	No limit with full entitlement
Down-payment gift	100% can be a documented gift	100% gift allowed	N/A (no down)
Best for	Orange County buyers with lower credit or small savings	Stronger credit or more down	Eligible veterans & service members

FHA wins on credit flexibility and low down; conventional can drop mortgage insurance later; VA is unbeatable for eligible veterans. We'll compare all three on your numbers.

Why Work With a Local Newport Beach Mortgage Broker?

As a broker, Save Financial shops FHA across multiple lenders — and pairs it with CalHFA assistance where you qualify — instead of one bank's overlays, which matters when your file is credit- or down-payment-sensitive. Our office is in Orange County, so we know local prices, the OC market, and how to make an FHA offer competitive.

You can meet us in person, get pre-approved, and get straight answers from a licensed local loan officer. Call the Newport Beach office directly at (949) 379-5320. Save Financial is a licensed mortgage broker and is not affiliated with, or endorsed by, the FHA, HUD, or any government agency.

How to Get an FHA Loan with Save Financial

Tell us your Orange County price range, how much you have (or are gifted) for the down payment, and your rough credit. Call (949) 379-5320 or start online.
We confirm FHA fit and check whether CalHFA down-payment assistance is available to you.
We compare FHA lenders, secure your terms, and hand you a pre-approval you can shop with.
You write an offer in Costa Mesa, Irvine, or the coast, and we manage the loan to the finish.

Serving Newport Beach: Save Financial arranges these loans in Newport Beach and across Orange County from our Newport Beach office. We are a California-licensed mortgage brokerage (NMLS #377740, DRE #01875766), Equal Housing Opportunity, and shop multiple lenders for your best terms. This page is informational and not a commitment to lend; all loans are subject to credit approval, income and property review, and program availability. Call 949-379-5320 or apply online.