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Huntington Beach properties don't come cheap. Buyers here often need creative financing to keep payments manageable.
Interest-only loans fit this market well. You pay just the interest upfront — no principal — keeping monthly costs lower.
700+
Min Credit Score
20–30%
Down Payment
5–10 Years
IO Period
Non-QM
Loan Type
Interest-Only Loans in Huntington Beach
These are non-QM loans. Standard agency guidelines don't apply — lenders set their own rules.
Expect stricter requirements. Most lenders want a 700+ credit score, strong reserves, and 20-30% down.
Local decision guide
Use this guide to connect interest-only loans eligibility, lender expectations, and local market factors before comparing payment options in Huntington Beach.
Huntington Beach properties don't come cheap. Buyers here often need creative financing to keep payments manageable.
Interest-only loans fit this market well. You pay just the interest upfront — no principal — keeping monthly costs lower.
These are non-QM loans. Standard agency guidelines don't apply — lenders set their own rules.
Not every lender offers interest-only products. Big retail banks rarely do — and when they do, terms aren't great.
We work with 200+ wholesale lenders. Several specialize in non-QM interest-only programs for California borrowers.
The IO period usually runs 5-10 years. After that, your payment resets — and it resets higher.
Plan for that jump. Buyers who don't model the fully amortized payment get surprised. We always show both numbers.
An ARM gives you a lower rate for a fixed period too — but you're still paying principal. IO strips that out entirely.
DSCR loans serve investors who want IO on rental properties. If that's your play, DSCR may offer better structure.
Huntington Beach attracts second-home buyers, vacation rental investors, and high earners buying coastal property.
All three profiles use IO loans regularly. The beach premium here makes lower initial payments a real strategic advantage.
Your payment recalculates to cover principal and interest over the remaining term. Expect a noticeable jump in your monthly payment.
Yes. Most IO loans allow voluntary principal payments. You're not locked out — you just aren't required to pay it.
Yes. IO on a rental can improve early cash flow. Pair it with a DSCR structure for cleaner investor underwriting.
Yes. Non-QM means no agency backing. Lenders require higher scores, more reserves, and larger down payments.
Typically yes. Non-QM lenders price in added risk. Rates vary by borrower profile and market conditions.
Usually 5 to 10 years. After that, the loan fully amortizes over the remaining term — payments increase.