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Live the California dream in Surf City USA with 9.5 miles of pristine beaches, world-class surfing, vibrant downtown, and the iconic Huntington Pier.
Explore mortgage options in Huntington Beach, Orange County, California. Compare 25+ loan programs including conventional, FHA, VA, jumbo, and investment property financing. Homebuyers can also explore options available in nearby Seal Beach, Westminster, and Fountain Valley. Get personalized rates and expert guidance from SRK Capital's local mortgage team.
Surf City USA with 9.5 miles of pristine Pacific coastline
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* Rates shown as of Mar 28, 2026, 6:52 PM PST and subject to change without notice.
* Rate scenario based on: $650,000 loan amount, 20% down payment ($812,500 purchase price), 740+ credit score, owner-occupied single-family home, with impounds.
* Your actual rate may vary based on your specific credit profile, loan amount, down payment, and other factors.
* APR fees include: $1,350 lender underwriting fee, $80 lender doc fee, $995 processing fee, $99.50 credit report, and third-party fees (title, escrow, appraisal).
* Contact an SRK CAPITAL loan officer for a personalized rate quote.
NMLS #2043372 | DRE #01961971
Equal Housing Lender | © 2026 SRK CAPITAL INC.
Beachfront living near the pier with shops, restaurants, and nightlife
Waterfront homes with private boat docks and harbor access
Coastal properties near wetlands preserve and state beach
Modern neighborhood centered around upscale shopping and dining
Family-friendly area with parks, schools, and suburban charm
Paste a listing URL and get a detailed breakdown of which loan programs fit the property, with payment examples and risk flags.
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From beachfront condos to Huntington Harbour waterfront estates and Bolsa Chica coastal properties, secure financing for your perfect beach lifestyle.
Updated 3/29/2026
Orange Ca Huntington Beach is updated daily with practical mortgage guidance for this page.