Mortgage Broker in Anaheim, CA - More Options, Better Rates
Matt Mayo is a licensed mortgage broker serving Anaheim and all of Orange County with access to 150+ wholesale lenders. Whether you're buying your first condo near the Platinum Triangle, upgrading to a single-family home in Anaheim Hills, or picking up an investment property near the resort district, I shop the entire market so you don't have to. Book a free consultation to see what you qualify for.
Book a Free ConsultationAnaheim Market Snapshot
Last updated: Mar 1, 2026
Median Price
$955,000
Avg Days on Market
47
Entry Price
$550K–$750K (condos, townhomes, and smaller single-family homes in West and South Anaheim)
High End
$1.1M–$1.5M+ (Anaheim Hills single-family homes with larger lots and views)
Typical properties: Single-family homes, condos, townhomes, and multi-unit properties
Source: Redfin Anaheim Housing Market
Loan Programs That Work in Anaheim
FHA
With a median price around $955K, Anaheim sits well within Orange County's FHA limit of $1,249,125. Most homes here can be financed with just 3.5% down through FHA. On a $750K starter home, that's about $26,250 out of pocket before any assistance programs.
Conventional
If your credit score is solid, a conventional loan can be the better play in Anaheim. You can put as little as 3% down on homes under the $1,249,125 conforming limit, and private mortgage insurance drops off once you hit 20% equity.
Jumbo
Some Anaheim Hills properties push past the $1,249,125 conforming limit. I work with lenders that offer jumbo programs with as little as 5% down — no need for the 20% that most people assume is required.
VA
Anaheim has a significant veteran and military-connected population, and VA loans are one of the best tools in the market. Zero down payment, no monthly mortgage insurance, and competitive rates. No county loan limit on VA loans in 2026.
DSCR (Investor)
Between the Disneyland Resort foot traffic, the convention center, and the sports venues, Anaheim's short-term and long-term rental market stays active. DSCR loans let investors qualify based on the property's rental income — not personal income.
Down Payment Assistance
Anaheim buyers have more DPA options than most people realize. Between Dream For All, CalHFA MyHome, Orange County's MAP, and the City of Anaheim's own $50,000 first-time homebuyer program, there are real dollars on the table. I also work with wholesale lenders covering up to 100% of the FHA down payment.
HELOC / Home Equity
If you already own in Anaheim and have built equity — especially in neighborhoods like Anaheim Hills — a HELOC can be a smart move. I work with lenders offering HELOCs up to 95% combined loan-to-value.
Orange County Loan Limits
2026
FHA Limit
$1,249,125
Conforming Limit
$1,249,125
Local Assistance Programs in Anaheim
Dream For All Shared Appreciation Loan
Deadline: Mar 16, 2026Up to 20% of the purchase price as a down payment loan with no monthly payments. Lottery-based — register during the open window, and if selected, you receive a voucher.
First-generation, first-time homebuyers. California resident required. Registration open through March 16, 2026 at 5:00 p.m. PST.
CalHFA MyHome Assistance Program
Deferred-payment junior loan up to 3.5% of the purchase price for down payment or closing costs. No monthly payment. On a $900K Anaheim purchase, that's up to $31,500 in assistance.
Income limits vary by county. Must be paired with a CalHFA first mortgage. First-time buyers only.
CalPlus with ZIP Extra
CalHFA conventional program paired with a zero-interest closing cost grant of up to 3% of the loan amount. The grant doesn't need to be repaid.
Best for buyers who can handle the monthly payment but are cash-strapped at closing. Income limits apply.
City of Anaheim First-Time Homebuyer Program
The City of Anaheim offers a $50,000 deferred loan for down payment assistance. It's a 30-year loan at 3% simple interest with no monthly payments — repayment is deferred until you sell, refinance, or pay off the mortgage.
First-time homebuyers with household income at or below $200,000. Preference given to Anaheim residents and workers. First-come, first-served.
Lender-Specific DPA Programs
I work with wholesale lenders that offer down payment assistance programs covering up to 100% of the FHA down payment. These programs change frequently and are only available through brokers.
Income limits vary by program. Must be paired with an FHA first mortgage in most cases.
Orange County Programs
Orange County Mortgage Assistance Program (MAP)
A deferred-payment second mortgage of up to $80,000 at 3% simple interest with a 30-year term for first-time homebuyers. Can be used toward down payment on a home in participating areas of Orange County.
First-time homebuyer (no ownership in past 3 years). Annual income must not exceed 80% of Area Median Income. Total sales price cannot exceed 85% of Orange County median. Must occupy as primary residence and contribute minimum 1% down from own funds.
Learn moreNeighborhood Insights
Anaheim covers a lot of ground — from hillside estates to walkable urban neighborhoods — and the right financing strategy depends on where in the city you're buying. Here's what I tell buyers who are new to the area: Anaheim Hills is the premium submarket, tucked into the eastern hills with larger lots, canyon views, and top-rated schools. Median prices run around $1.1M and up, with homes regularly pushing into the $1.3M–$1.5M range. Conventional or jumbo financing is typically the play here. The Colony Historic District is one of Anaheim's most distinctive neighborhoods. Tree-lined streets, Craftsman bungalows, and a genuine community vibe near the Packing District. Prices run $650K–$850K, which puts most homes in FHA or conventional territory. Platinum Triangle is Anaheim's modern urban core — condos, lofts, and newer mixed-use developments near Angel Stadium. Entry points start around $450K–$600K for condos. West Anaheim is the workhorse of the Anaheim market. Mid-century single-family homes mostly in the $725K–$850K range. Conventional with 3–5% down or FHA both work well here. South Anaheim offers some of the most affordable single-family options, with median prices around $815K. Homes sell quickly — a strong pre-approval matters here. Anaheim Resort Area surrounding Disneyland is prime DSCR territory for investors — short-term rental demand from resort visitors keeps occupancy strong year-round.
Why Work With an Anaheim Mortgage Broker?
When you walk into a bank, you get that bank's rates and guidelines. As a broker, I work with over 150 wholesale lenders, which means I can shop your loan across dozens of options to find the best fit. In a market like Anaheim, where prices range from $500K condos in the Platinum Triangle to $1.5M homes in Anaheim Hills, having flexibility matters.
What "150+ Lenders" Actually Means for You
Every lender has different guidelines. One might count your bonus income differently. Another might allow a lower credit score on a jumbo loan. Here's a real example: say you're buying in West Anaheim at $800K and you're self-employed. One lender wants two years of tax returns showing declining income. Another offers a bank statement program that looks at 12-month deposits. Same borrower, same property, completely different outcome.
My Pre-Approval Actually Means Something
I do a full upfront document review before I issue a pre-approval. That means I've already looked at your income, assets, credit, and employment. When your agent submits an offer in a competitive Anaheim neighborhood, the listing agent knows my pre-approvals are solid. That matters when homes are getting multiple offers.
Serving Anaheim From Long Beach
I'm based in Long Beach — about 20 minutes down the 22 or the 405 from Anaheim. Orange County is a market I work in regularly, and I understand the dynamics here: the mix of price points, the FHA condo approval landscape in the Platinum Triangle, and the investor opportunities near the resort district. You get the same level of attention and the same access to 150+ lenders.
Frequently Asked Questions
How much do I need for a down payment on a home in Anaheim?
On a $900K home — close to Anaheim's median — you'd need about $31,500 with FHA (3.5% down) or $27,000 with a conventional loan (3% down for first-time buyers). VA loans require zero down. There are also DPA programs that can cover part or all of your down payment.
What is the FHA loan limit in Orange County for 2026?
The 2026 FHA loan limit for Orange County is $1,249,125 for a single-family home. That's the high-cost ceiling, which means the vast majority of Anaheim homes — including most in Anaheim Hills — qualify for FHA financing.
What is the conforming loan limit in Orange County for 2026?
The 2026 conforming loan limit for Orange County is also $1,249,125. Loans between $832,750 and $1,249,125 are considered high-balance conforming and may carry slightly different pricing.
Are there FHA-approved condos in Anaheim's Platinum Triangle?
Some condo projects in the Platinum Triangle are FHA-approved, but not all. FHA requires the entire project to meet specific approval criteria. If a project isn't approved, we have conventional options starting at 3% down.
What first-time buyer programs are available in Anaheim?
Anaheim buyers can access Dream For All (up to 20% down, lottery-based), CalHFA MyHome (up to 3.5% deferred loan), the City of Anaheim's own $50,000 deferred loan program, Orange County's MAP program (up to $80,000), and lender-specific DPA programs through my wholesale partners.
What's the difference between a mortgage broker and a bank?
A bank offers its own loan products — one set of rates, one set of guidelines. A mortgage broker like me shops your loan across 150+ wholesale lenders to find the best rate and program for your situation. I also have access to DPA programs and specialty products that banks typically don't offer.
How much house can I afford in Anaheim?
That depends on your income, debts, down payment, and loan program. Anaheim's median home price is around $955,000, but there's a huge range — condos in the Platinum Triangle start around $450K, while Anaheim Hills homes can push past $1.5M. At 5% down on a $955K home, you'd need about $47,750 plus closing costs. I can run your exact numbers in a quick call.
What are closing costs when buying in Anaheim?
Closing costs in Anaheim typically run 2-5% of the purchase price. On a $955,000 home, that's roughly $19,100 to $47,750 covering the appraisal, title insurance, escrow fees, and lender charges. Because I shop across 150+ lenders, I can often find options with lender credits that offset some of those costs.
Can I buy a home in Anaheim if I'm self-employed?
Yes — this is one of my specialties. Traditional banks often struggle with self-employed borrowers, but I have access to bank statement loan programs that use 12-24 months of deposits instead of tax returns. There are also asset depletion and profit-and-loss programs. The key is finding a lender whose guidelines fit your situation, and that's exactly what broker access is for.
What happens if my appraisal comes in low in Anaheim?
It happens, especially given the wide price range across Anaheim's neighborhoods — a comp in West Anaheim doesn't tell you much about Anaheim Hills, and vice versa. You have options: renegotiate the purchase price with the seller, make up the difference in cash, challenge the appraisal with comparable sales data, or walk away. I've helped clients navigate all of these scenarios.
Also Serving Nearby
Let's talk about buying in Anaheim
Take the 2-minute quiz and I'll personally review your options. No pressure, no obligation.
Book a Free Consultation