Discover affordable, custom-fit home loans in Costa Mesa. We navigate the complexities of Orange County’s real estate market to bring you the best mortgage solutions.
Whether buying your first home or refinancing, enjoy a seamless experience with Prime Mortgage. Our local expertise means better rates and terms for you.
Start your journey to homeownership today! Request a quote, call, or email us. Your Orange County dream home awaits.
Mortgage Broker Serving Costa Mesa
Prime Mortgage
Securing home loans does not have to be unnecessarily tedious. Our expert loan officers at Prime Mortgage aim to make the process simple and easy for our clients. We offer a fast, reliable, and straightforward approach to addressing each customer’s needs. As your mortgage lenders, we realize that your needs are different. We, therefore, take you through the various loan options that we offer.
We promise that you’ll get personalized services from the start to the end of your mortgage loan application. You can trust that we are the right mortgage lender for you. We have worked with all kinds of customers in the past and we are prepared for your needs.
Our company has received hundreds of positive reviews from past clients who have chosen us as their mortgage lender. You can also choose us to join the winning team. By choosing us, you’ll have access to the following;
As your trusted mortgage lender, our team will work closely with you to review your application and offer you the best rates and fees. We wish to make the process fast, simple, and easy for you. We will partner with you on the journey to achieve the American dream while being financially stable.
We are here to help. You can rely on us to guide you through the minimum down payment for all loan options that we offer. We are at your service to help you make the right financial decisions.
Choosing to work with Prime Mortgage means you can access a variety of loan options and choices. Our experienced loan officers will guide you through the common loan options including:
We also offer a variety of mortgage refinance options here at Prime Mortgage. Existing homeowners who wish to refinance their home loans, whether to reduce the high rate or to offset some pressing financial needs can come to us. We offer cash-out refinance solutions as well as mortgage refinance help.
Begin your home loan process today by taking inspiration from the success stories of our customers. Read reviews, contact us, and join the list of hundreds of clients whose positive reviews you have read below.
Calculator
Affordability Calculator
Payment Breakdown
per month
- Principal & Interest
- Taxes
- Insurance
- HOA Dues
- PMI
Loan Details
- Home Value:
- Mortgage Amount:
- Monthly Conventional Payment:
- Down Payment:
- Monthly Estimated PMI:
Payment Breakdown
per month
- Principal & Interest
- Taxes
- Insurance
- HOA Dues
- MIP
Loan Details
- Home Value:
- Base Loan Amount:
- Monthly FHA Payment:
- Down Payment:
- FHA Loan Amount:
- Upfront MIP:
Payment Breakdown
per month
- Principal & Interest
- Taxes
- Insurance
- HOA Dues
Loan Details
- Home Value:
- Base Loan Amount:
- Monthly VA Payment:
- Down Payment:
- VA Loan Amount:
- VA Funding Fee:
Payment Breakdown
per month
- Principal & Interest
- Taxes
- Insurance
- HOA Dues
- USDA MIP
Loan Details
- Home Value:
- Base Loan Amount:
- Monthly USDA Payment:
- Down Payment:
- USDA Loan Amount:
- USDA Guarantee Fee:
Payment Breakdown
per month
- Principal & Interest
- Taxes
- Insurance
- HOA Dues
- PMI
Loan Details
- Home Value:
- Mortgage Amount:
- Monthly Conventional Payment:
- Down Payment:
- Monthly Estimated PMI:
Payment Breakdown
A breakdown of your total payment so you can see where money is allocated.
per month
- Principal & Interest
- Taxes
- Insurance
- HOA Dues
- PMI
- Extra Payment
- Monthly Payment
- Total Payment
- Home Value:
- Mortgage Amount:
- Monthly Principal & Interest:
- Monthly Extra Payment:
- Monthly Property Tax:
- Monthly Home Insurance:
- Monthly PMI:
- Monthly HOA Fees:
- Total # Of Payments:
- Down Payment:
- Principal:
- Total Extra Payment:
- Total Interest Paid:
- Total Tax, Insurance, PMI and Fees:
- Total of all Payments:
Early Payoff Strategy
Add an extra payment and see how many months you can eliminate on the back end of the loan.
Lump Sum Payment
Shorten your loan term by paying a lump sum all to principal.
$
Total Interest Difference$
Monthly Payment Comparison
A breakdown of your total payment so you can see where money is allocated.
$
Time to Recoup FeesTotal Interest Comparison
A breakdown of your total payment so you can see where money is allocated.
Results Summary
| Buying | Renting | |
|---|---|---|
| Cash Spent | $ | $ |
| Home value | -$ | -- |
| Balance on Loan | $ | -- |
| Closing costs on sale | $ | -- |
| Adjusted Net Cash Savings | $ | $ |
Payment Breakdown
A breakdown of your total payment so you can see where money is allocated.
per month
- Principal & Interest
- Taxes
- Insurance
- HOA Dues
- Extra Payment
- Monthly Payment
- Total Payment
- Home Value:
- Mortgage Amount:
- Monthly Principal & Interest:
- Monthly Extra Payment:
- Monthly Property Tax:
- Monthly Home Insurance:
- Monthly HOA Fees:
- Total # Of Payments:
- Down Payment:
- Principal:
- Total Extra Payment:
- Total Interest Paid:
- Total Tax, Insurance and Fees:
- Total of all Payments:
Early Payoff Strategy
Add an extra payment and see how many months you can eliminate on the back end of the loan.
Lump Sum Payment
Shorten your loan term by paying a lump sum all to principal.
$
Total Interest Difference$
Monthly Payment Comparison
A breakdown of your total payment so you can see where money is allocated.
$
Time to Recoup FeesTotal Interest Comparison
A breakdown of your total payment so you can see where money is allocated.
$
Cap Rate%
Deal Breakdown
A breakdown of your rental loan deal.
- Loan Amount:
- Down Payment:
- Mortgage Payment:
- Monthly Payment:
- Origination Fee Amount:
Deal Metrics
A metrics of your rental loan deal.
- Total Closing Costs:
- Cash Needed to Close:
- Price Per Unit:
- Gross Rental Income:
- Operating Expenses:
- Net Operating Income:
%
DSCRReturn Metrics
A metrics of your rental loan return.
-
Cash Flow:Annual cash flow after all expenses and mortgage are paid.
-
Cap Rate:Cap rate, or capitalization rate, is a metric that divides your net operating income (not including your mortgage) by the purchase price or property value. It is most useful in comparing multifamily properties.
-
Cash on Cash Return:Cash on cash return is a metric that divides your pre-tax cash flow by the total cash invested in the deal. This is a key metric for most investors.
-
DSCR:DSCR calculates the ratio of rental income to your mortgage payment. Ideally, you'll have a DSCR of 1.0 or higher.
$
Net Profit$
Deal Breakdown
A breakdown of your rental loan deal.
- Loan Amount:
- Down Payment:
- Monthly Interest Payment:
- Total Interest Over Term:
- Origination Fee Amount:
- Other Closing Costs Amount:
- Cost To Sell Amount:
Deal Metrics
A metrics of your rental loan deal.
- Closing Costs:
- Carrying Costs:
- Borrower Equity Needed:
- Total Cash In Deal:
%
Loan to After Repaired Value%
Return Metrics
A metrics of your rental loan return.
- Net Profit:
- Loan to After Repaired Value:
- ROI:
Struggling To Sell Your House? Read This.
When you sell your house, ideally, you want it to go something like this: your house sells for top dollar, you get it sold quickly, and it all goes down…
The Biggest Perks of Buying a Home This Winter
Waiting for perfect market conditions often means missing out. Because what you may not realize is, if you’re ready and able to buy, this time of year could actually give…
More Starter Homes Are Hitting the Market
More entry-level homes – also known as starter homes – are popping up on the market. And after several years with very few homes available to buy and prices rising,…