Financing for Homes in
Orange County

Searching for a home in Orange County or beyond? Let us help with your financing! Whether you’re a first-time homebuyer, a repeat buyer, or looking to refinance, our loan officers offer specialized resources and personalized options. Let’s get you pre-approved for a mortgage in your desired neighborhood—from Orange County to select states nationwide.

Find Your LO

Branch Info

Branch Manager

Rick Geary

Contact Us

949.682.8252

Address

18 Journey
Bldg A Suite 140
Aliso Viejo, CA 92656

Business Hours

Monday – Friday
9 AM – 5 PM

Loan Officers in Orange County

Licensed in select states nationwide, our loan officers based in
Orange County will create a custom financing solution to meet your goals.

Rick Geary

Loan Officer | NMLS#: 278781

Are You a First-Time Homebuyer?

As a first-time homebuyer, you might have questions about financing and understanding the process. With our knowledge and specialized resources, we’re here to help you every step of the way.

Homebuying Benefits

Long-term stability

Tax benefits to owning

Build equity and wealth

Appreciating assets

Predictable monthly payments

A secure retirement

How We Add Value

Community lender

Award-winning service

Certified Pre-Approval

17-Day Close Guarantee

Modernized process

Wide variety of loan programs

Financial guidance for life

Loan Options

We have several programs to help your financial goals

Traditional Loans

Conventional

Conventional loans offer advantages for those who qualify and offer financing for property types that are commonly restricted by other loan types.

FHA

An FHA loan provides a government-insured loan with flexible loan options. Less strict credit requirements and qualifications make this loan the easiest loan for buying a home or refinancing. Save money with lower interest rates on FHA loans. We are here to help you with your planning and pre-approval process.

Jumbo

A jumbo loan is a type of mortgage that exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA). These limits vary by location but are generally higher in areas with expensive real estate markets. With a choice between fixed or adjustable rates, a jumbo loan offers flexibility for home financing for larger loans.

USDA

The USDA loan program is designed to provide low-to-moderate-income families the opportunity to purchase a home in rural and suburban communities. USDA loans make buying a home more accessible by providing 100% financing—meaning no down payment is required.

Trending Programs

Community Lending

This unique opportunity doesn’t have any first-time homebuyer requirements and may create hundreds of dollars worth of monthly savings.

Buy Before You Sell

Worried about contingencies holding purchase back? Our partnership with Homelight allows homeowners to buy a home before selling their current home.

Down Payment Assistance

With assistance options in the form of loans and grants including as low as 0% down payment, you can purchase a home without draining your savings account!

Earn the benefits of a VA loan—a powerful tool to help you achieve homeownership with incredible benefits, including no down payment and flexible terms.

…and so much more

Frequently Asked Questions

What is mortgage pre-approval, and why is it important?

Pre-approval is a lender’s conditional commitment to loan you money based on your income, credit, and financial situation. It helps you understand your budget and makes you a stronger buyer in competitive markets.

What are closing costs, and how much should I expect to pay?

Closing costs cover lender fees, title insurance, taxes, and other expenses. They typically range from 2% to 5% of the home’s price. Some sellers may offer to help cover these costs.

How much money do I need for a down payment?

Down payments typically range from 3% to 20% of the home’s price. Some loan programs, like FHA, VA, and USDA loans, offer low or no down payment options.

How do I securely provide my documents?

The best way is through our RWM Fluid App portal where you completed the application. You can either log in via desktop or download the mobile app for easier access.

Why do I need to provide everything upfront?

Purchasing a home has many moving parts, and we want to set you up for success. We pre-underwrite our loans to ensure your offer is strong. In order to achieve an underwriting pre-approval, we must request documents upfront, which also saves you time once you’re under contract.

What documents do I need to provide?

Once you have completed your application, our team will update your portal with all the required documents. We don’t want you to gather anything unnecessary, so we customize each needs list to our client and scenario.

What if I don’t have an answer to a question on my application?

Fill it out as much as you can and give us a call when you encounter any questions that aren’t clear or applicable. We will walk you through the process and they can always add to it later.

Homebuying resources for Orange County and beyond

Orange County Mortgage Blog

Mortgage Lending Simplified

Download the free RWM Home Loans Fluid Mobile App today and get started on your journey to homeownership.

SECURE DOCUMENT SCANNER

FAST & EASY PROCESS

REAL TIME LOAN UPDATES

Financing for Homes in
Orange County

Branch Manager

Contact Us

Address

Business Hours

Loan Officers in Orange County

Rick Geary

Are You a First-Time Homebuyer?

Homebuying Benefits

How We Add Value

Loan Options

Traditional Loans

Trending Programs

Frequently Asked Questions

Orange County Mortgage Blog

What Happens When You Make One Extra Mortgage Payment a Year?

Home Maintenance: How to Get Rid of Flies and Other Bugs

April 2025: The Impact of a Recession on the Market

How Much Is Mortgage Insurance? Calculating PMI

5 Ways to Deal with Buyer’s Regret After Closing

March 2025: Boost Your Chances in Today’s Market

Mortgage Lending Simplified

Financing for Homes inOrange County

Branch Manager

Contact Us

Address

Business Hours

Loan Officers in Orange County

Rick Geary

Are You a First-Time Homebuyer?

Homebuying Benefits

How We Add Value

Loan Options

Traditional Loans

Trending Programs

Frequently Asked Questions

Orange County Mortgage Blog

What Happens When You Make One Extra Mortgage Payment a Year?

Home Maintenance: How to Get Rid of Flies and Other Bugs

April 2025: The Impact of a Recession on the Market

How Much Is Mortgage Insurance? Calculating PMI

5 Ways to Deal with Buyer’s Regret After Closing

March 2025: Boost Your Chances in Today’s Market

Mortgage Lending Simplified

Financing for Homes in
Orange County