Mortgage strategy for Long Beach, CA
Beachfront condos in Belmont Shore, historic homes in Bixby Knolls, and duplexes downtown — financing for how Long Beach actually buys.
Long Beach is one of Southern California's most varied markets: waterfront condos, character homes in the historic districts, and small multi-unit properties all trade side by side. Condo financing in particular hinges on the HOA — whether the project is warrantable changes which loans are even possible, and it's worth checking before you fall in love with a unit.
The city also draws a lot of first-time buyers and small investors. Structuring the loan around your goal — owner-occupied, house-hack, or pure rental — is what keeps the deal clean through underwriting.
Programs matched to Long Beach buyers
Warrantable and non-warrantable condo financing with HOA review; FHA and low-down conventional for first-time buyers; DSCR and conventional investment loans for 1-4 unit properties; plus high-balance conforming to the LA County ceiling — across 50+ wholesale lenders.
2026 conforming loan limit in Los Angeles County
Long Beach shares the Los Angeles County high-cost ceiling of $1,249,125, above the national baseline of $832,750. That leaves room for conforming and high-balance financing on most homes, with jumbo available above the ceiling.
Neighborhoods across Long Beach we work in
From Belmont Shore and Naples to Bixby Knolls and Downtown, Sam works with condo buyers, first-timers, and investors across Long Beach.
Questions Long Beach buyers ask
What is the 2026 conforming loan limit in Los Angeles County?
Long Beach is in Los Angeles County, so its 2026 one-unit conforming limit is the high-cost ceiling of $1,249,125, well above the $832,750 baseline. Loans above $1,249,125 are jumbo, which Sam also handles for higher-priced waterfront homes.
Can you finance a condo in Long Beach?
Yes — and it starts with the HOA. Sam checks whether a project is warrantable (which opens up conventional and FHA options) and, when it isn't, uses non-warrantable and portfolio condo programs so a great unit in a tricky building is still financeable.
Start my Long Beach financing plan Run the numbers first
Explore loan programs and calculators, or see other areas we serve: Los Angeles, Anaheim, Irvine.
Sam Razavi · NMLS #985351 · originating through C2 Financial Corporation, NMLS #135622. Not a commitment to lend. Equal Housing Opportunity.