Get Your Orange County Home Loan Approved in 24 Hours
✅ $150M+ Funded | ✅ 97% Satisfaction Rate | ✅ 21-Day Closings Serving Orange County homebuyers and homeowners since 2018
Orange County Market Expertise
Orange County remains one of California's most prestigious real estate markets, with median home prices around $1,200,000. As your licensed California mortgage experts (NMLS #02066654), we understand the unique opportunities from Newport Beach to Irvine. Our team has helped hundreds of Orange County families secure financing for everything from beachfront estates to family homes in master-planned communities.
Loan Programs
Purchase Loans:
• Conventional Loans - Perfect for Orange County's competitive market
• FHA Loans - Ideal for first-time Orange County buyers (3.5% down)
• VA Loans - Honoring Orange County's military families (0% down)
• Jumbo Loans - Essential for Newport Beach and luxury Orange County properties
• Investment Loans - Orange County rental property financing
• DSCR Loans - For Orange County real estate investors
Refinancing Options:
• FHA/VA Streamline Refinancing
• Cash-Out Refinancing
• HELOC (tap into Orange County's substantial home equity)
Orange County Communities We Serve
From luxury Newport Beach waterfront properties to family-friendly Irvine communities, we've helped families secure financing across Orange County's most desirable areas:
• Newport Beach - Luxury waterfront estates, jumbo loans our specialty
• Laguna Beach - Coastal properties, our neighborhood expertise
• Irvine - Master-planned communities, excellent schools, conventional loans
• Huntington Beach - Surf City living, VA loans for veterans
• Costa Mesa - Urban living, FHA-friendly condos and townhomes
• Mission Viejo - Family communities, first-time buyer programs
• Anaheim Hills - Suburban luxury, jumbo and conventional loans
• Tustin - Central location, renovation financing available
• Aliso Viejo - New developments, construction loans
• Dana Point - Coastal living, investment property financing
TESTIMONIALS
Orange County Neighorhood Success Stories
"Loved everything so far"
"Spot On Lending helped us buy our dream home in Newport Beach. The jumbo loan process was seamless!" - Sarah M., Newport Beach
"My life changed forever"
"First-time buyers in Irvine - Jennifer made it happen in 18 days!" - Mike & Lisa T., Irvine
"Highly recommend this"
"Refinanced our Laguna Beach home and saved $800/month. Highly recommend!" - Robert K., Laguna Beach
READY TO GIVE US A TRY?
Why Choose Us
✅ Licensed in California - NMLS #02066654
✅ Lightning Fast - 90% of loans approved within 24 hours
✅ Proven Track Record - $150M funded, 97% client satisfaction
✅ Direct Access - Speak directly with decision-makers
✅ Orange County Expertise - Serving OC since 2018
About Us
Established in 2018
We have been helping customers afford the home of their dreams for many years and we love what we do.
Spot On Lending is an Equal Housing Opportunity Lender and complies with applicable laws and regulations.
Licensed and Serving Across 4 States:
California NMLS# 02066654 | 60DBO-154093
Georgia & Texas NMLS#1767407
Florida NMLS#MBR5826
Contact Us
Main Office:
5193 Groovers Landing Rd SE
Acworth, GA 30101
California Office:
1968 S. Coast Hwy #4100
Laguna Beach, CA 92651
Disclaimers
Serving Across 4 States:
California (Orange County, Laguna Beach)
Texas (Dallas Metro Area)
Florida (Tampa Bay Area)
Georgia (Atlanta Metro Aread)
& Especially These Cities:
Resources
Spot On Lending (“Inc.”), is an Equal Housing Opportunity Lender.
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