Mortgage Broker and Lender for Orange County Home Buyers

First Lending Solutions is a mortgage broker and mortgage lender that helps home buyers and homeowners throughout Orange County, California, with purchase and refinance loans, working from its office in nearby Riverside. Founded in 2005 by U.S. Marine Corps veteran Alan Vogan, the company serves communities from Anaheim and Santa Ana to Huntington Beach, Mission Viejo and the coast.

Orange County is one of Southern California’s higher-cost housing markets, so the details of your loan matter: the loan amount, the property type, the HOA and the long-term plan. We help you sort through those details before they become surprises.

Why Orange County borrowers work with First Lending Solutions

• Broker and lender. As both a mortgage broker and a mortgage lender, we can look at more than one path, which is useful when your loan amount, property or income doesn’t fit a simple template.
• Experience since 2001. Alan Vogan has worked in mortgage and real estate since 2001 and founded First Lending Solutions in 2005.
• Close by when you need us. Our Riverside office is a straight shot up the 91 from much of north Orange County, and most of the process can be handled by phone and online.
• Clear, honest guidance. We tell you what we can and can’t do, and we explain the trade-offs between options in plain language.
• What clients say: Rated 5.0 stars from 308 Google reviews (as of October 2026).

Larger loan amounts and jumbo questions

Loan limits for conforming loans are set each year and vary by county, and in a market like Orange County, many purchases come close to or go past them. Whether your loan falls into a conforming, higher-balance or jumbo category depends on your loan amount and property. If you’re looking at a loan above standard limits, ask us about jumbo financing. We’ll explain what may be available and what lenders typically look for, such as reserves and documentation.

Home loan options in Orange County

• Purchase loans for single-family homes, condos and townhomes, from first homes to move-up homes.
• Refinance loans to change your loan type or term, or to access the equity you’ve built.
• Conventional loans for borrowers who meet conventional guidelines.
• FHA loans, insured by the Federal Housing Administration. Loan limits, eligibility and property requirements apply.
• VA loans for eligible veterans, service members and surviving spouses, made by private lenders and partially guaranteed by the VA.
• Jumbo loans or a HELOC? Ask us.

Condos, HOAs and planned communities

Condos and townhomes are a common way into Orange County homeownership, and many single-family neighborhoods, especially in south county planned communities, have HOAs too. Lenders review HOA dues as part of your monthly cost, and condo projects may need to meet a lender’s or program’s requirements. Some newer communities also carry special taxes, often called Mello-Roos. We’ll help you gather the right HOA documents early and factor every monthly cost into your plan.

Orange County cities we serve

North and central OC: Anaheim, Fullerton, Brea, Buena Park, La Habra, Placentia, Yorba Linda, Orange, Villa Park, Santa Ana, Tustin, Garden Grove, Westminster, Fountain Valley, Cypress and Los Alamitos.

Coastal and south OC: Seal Beach, Huntington Beach, Costa Mesa, Newport Beach, Laguna Beach, Dana Point, San Clemente, San Juan Capistrano, Mission Viejo, Lake Forest, Laguna Niguel, Laguna Hills, Aliso Viejo, Rancho Santa Margarita and Ladera Ranch.

Thinking about trading an OC commute for more space in Corona, Eastvale or Chino Hills? See our Inland Empire mortgage page.

How it works

1. Start with a conversation. Apply online or call (951) 684-3307 and tell us about the home, the loan amount you have in mind, and your goals.
2. Compare your options. We review your income, assets and credit, explain which loan categories fit your situation, and send a clear document list.
3. Close on your timeline. We coordinate the appraisal, underwriting, HOA documents and escrow, and keep you and your agent updated through closing.

Orange County mortgage FAQs

Can a Riverside-based mortgage company help me buy in Orange County?

Yes. First Lending Solutions helps buyers and homeowners throughout Orange County and the rest of California. Most of the process can be handled by phone and online, and you’re welcome to meet with us at our office at 3610 Central Ave, Suite 400, Riverside, CA 92506.

Do you offer jumbo loans in Orange County?

Ask us. Whether a jumbo loan is available and makes sense depends on your loan amount, the property and your finances. Call (951) 684-3307 and we’ll explain what may be available for your situation. All loans are subject to approval.

I’m buying a condo in Orange County. Is anything different?

Often, yes. Lenders review the HOA dues as part of your monthly cost, and the condo project may need to meet a lender’s or loan program’s requirements. We’ll help you request the right HOA documents early so there are fewer surprises.

Should I refinance or use a HELOC to tap my Orange County home equity?

It depends on your current loan, your goals and how long you plan to stay. We can review a cash-out refinance with you, and if you’re interested in a HELOC, ask us about what may be available. We’ll walk through the trade-offs in plain language.

Is First Lending Solutions a mortgage broker or a direct lender?

First Lending Solutions is both a mortgage broker and a mortgage lender. That gives us more than one way to look for a loan that fits Orange County price points and property types.

More questions? See our full mortgage FAQ.

Disclosures

1st Lending Solutions, Inc. DBA First Lending Solutions, 3610 Central Ave Suite 400, Riverside, CA 92506. (951) 684-3307. Company NMLS #135932 (NMLS Consumer Access). Alan Vogan, NMLS #236124. CA DRE Corporation License #01482431. CA DRE Broker License #01373250. CA DFPI California Financing Law License #60DBO96452. AL Consumer Credit License #23244. AL Mortgage Brokers License #23245. FL Mortgage Broker Business License #MBR7449. KY Mortgage Company License #MC796021. TN Mortgage Lender License #174096. TX SML Mortgage Company License (NMLS #135932). Equal Housing Opportunity. This is not a commitment to lend or extend credit. All loans are subject to credit approval, underwriting, program guidelines and property eligibility. Programs and terms are subject to change without notice and may not be available in all areas. VA loans require eligibility. First Lending Solutions is not affiliated with or acting on behalf of the U.S. Department of Veterans Affairs, FHA/HUD or any government agency.