Home loans in Newport Beach, CA
Newport Beach is one of Southern California's premier coastal luxury markets. Kevin Darmody structures jumbo and portfolio financing for waterfront homes, condos, and second residences across the Newport peninsula and surrounding neighborhoods.
Newport Beach is a high-value coastal market where jumbo and super-jumbo financing is the norm, and many purchases involve second homes or complex, asset-based income.
Loan programs popular in Newport Beach
Jumbo loans
Financing above the county conforming limit, structured for high-value homes with competitive rates and flexible down-payment options.
Second-home & vacation financing
Programs built for second homes and short-term-rental properties, including DSCR options that qualify on the property's income.
Purchase loans
Pre-approval and purchase financing with a local broker who can compare programs across many lenders, not just one bank's menu.
Refinance
Rate-and-term and cash-out refinancing to lower your payment, shorten your term, or tap equity for renovations.
Neighborhoods we serve
- Balboa Island
- Corona del Mar
- Newport Coast
- Lido Isle
- Balboa Peninsula
Frequently asked questions
Do you handle super-jumbo loans in Newport Beach?
Yes. We work with jumbo and super-jumbo financing for high-value coastal homes, including portfolio and asset-based options.
Can you finance a Newport Beach second home?
Absolutely — second-home and investment financing is common here, and we'll structure the loan around your goals.
Do you finance waterfront condos?
Yes, including condos on Balboa Island and the peninsula. We can navigate condo-project approval requirements.