Loading
Loading
Huntington Beach sits in Orange County — one of California's priciest coastal markets. Conforming loans work here, but only if the property price lands under the county loan limit.
HousingWire flagged that the 30-year fixed hit 6.57% in early April 2026, with applications dropping over 10%. For conforming borrowers, rate discipline matters more than ever right now.
6.57%
30-Yr Fixed (Apr 2026)
620
Min Credit Score
3%
Min Down Payment
45%
Max DTI (Standard)
21–30 Days
Typical Close Time
Conforming Loans in Huntington Beach
Fannie Mae and Freddie Mac set the rules. You need a minimum 620 credit score, though rates get meaningfully better above 740.
Debt-to-income ratio — your monthly debt payments divided by gross income — typically must stay under 45%. Some automated approvals stretch to 50%, but don't count on it.
Local decision guide
Use this guide to connect conforming loans eligibility, lender expectations, and local market factors before comparing payment options in Huntington Beach.
Huntington Beach sits in Orange County — one of California's priciest coastal markets. Conforming loans work here, but only if the property price lands under the county loan limit.
HousingWire flagged that the 30-year fixed hit 6.57% in early April 2026, with applications dropping over 10%. For conforming borrowers, rate discipline matters more than ever right now.
Fannie Mae and Freddie Mac set the rules. You need a minimum 620 credit score, though rates get meaningfully better above 740.
Conforming loans are the most widely offered product in the country. Every bank, credit union, and mortgage company prices them. That competition is good for you.
Shopping matters here. We run conforming loans through 200+ wholesale lenders and routinely find rate differences of 0.25% or more on the same borrower profile.
HB properties near the pier or in the Seacliff area price high. Make sure your purchase price fits the Orange County conforming limit before you fall in love with a listing.
If you're right at the limit, don't automatically reach for a jumbo. Some conforming products with PMI — private mortgage insurance — still beat jumbo pricing for certain profiles.
FHA loans allow lower credit scores but add mortgage insurance that's hard to remove. Conforming loans drop PMI automatically at 80% loan-to-value.
Jumbo loans cover higher purchase prices but come with stricter reserves and documentation. Conforming is faster to close and easier to approve at comparable price points.
Orange County qualifies for high-balance conforming limits — above the national baseline. That's a direct result of the area's elevated home prices, and it keeps more deals in conforming territory.
Huntington Beach condos require lender condo approval. Not every complex qualifies. Warrantable condo status — meaning the project meets Fannie and Freddie rules — is something to check early.
Orange County qualifies for high-balance conforming limits above the national baseline. Check current FHFA limits before pricing your deal.
Yes, but the condo project must be warrantable under Fannie or Freddie guidelines. Check HOA finances and owner-occupancy ratios early.
As little as 3% for first-time buyers. Putting 20% down eliminates PMI and improves your rate.
Scores above 740 get the best pricing. Each tier below that adds cost. Rates vary by borrower profile and market conditions.
If your purchase stays under the high-balance limit, conforming usually wins on rate and approval speed. Jumbo makes sense above that threshold.
Most conforming loans close in 21 to 30 days. Clean documentation and early condo approval keep the timeline tight.