Home Loan Options in Orange County

• First-time buyers

  First-Time Home Buyer Loans

  First-time home buyer guidance in Orange County: loan options, down payment assistance, and the steps to get pre-approved. NMLS 344740.

  Learn more: First-Time Home Buyer Loans

• Government-backed

  FHA Loans

  Learn how FHA loans work: 3.5% down with a qualifying credit score, mortgage insurance, and loan limits. Guidance from Troy Huynh, NMLS 344740.

  Learn more: FHA Loans

• For veterans

  VA Loans

  VA home loans for eligible veterans, service members, and surviving spouses: often no down payment and no monthly PMI. Guidance from Troy Huynh, NMLS 344740.

  Learn more: VA Loans

• Most common

  Conventional Loans

  How conventional mortgages work: down payments from 3% for qualifying buyers, PMI that can be removed, and fixed or adjustable terms. NMLS 344740.

  Learn more: Conventional Loans

• Higher-priced homes

  Jumbo Loans

  Jumbo and high-balance loans for higher-priced Orange County homes: limits, down payment, and reserves explained. Troy Huynh, NMLS 344740.

  Learn more: Jumbo Loans

• For homeowners

  Refinance

  When does refinancing make sense? Compare rate-and-term, cash-out, and streamline refinance options and your break-even point. NMLS 344740.

  Learn more: Refinance

Troy (Thuy Kim) Huynh, California real estate broker DRE #01889229 and mortgage loan originator NMLS #344740, broker associate with Century Financial Group, Corp. (DRE #01930905). Loans are offered only in states where Troy Huynh is licensed — see NMLS Consumer Access. Not a commitment to lend; all loans are subject to credit and underwriting approval.