Irvine, CA
Home loans in Irvine, CA.
Irvine is a master-planned city in central Orange County, organized into villages and home to the University of California, Irvine. Homes range from condos and townhomes to newer single-family homes and guard-gated communities such as Shady Canyon.
Talk with HieuIrvine at a glance
- Master-planned villages with parks and trails.
- Many newer homes, often with HOAs.
- Close to the I-5, I-405, and SR-261.
What to know
HOAs are common
Many Irvine homes are in associations. Review dues, rules, and reserves before you buy.
Mello-Roos
Some newer neighborhoods carry Community Facilities District (Mello-Roos) taxes on top of regular property tax.
New construction
Buying new from a builder has its own contracts and timelines. You can still have your own agent.
Questions worth asking
- What are the total HOA and Mello-Roos costs for this home?
- Is it new construction or resale, and how does that change the process?
- How does this village compare with nearby ones on price?
Frequently asked questions
Do most Irvine homes have Mello-Roos?
Many newer neighborhoods do, while some older ones do not. Check each property's tax bill.
Can I use my own agent when buying new construction?
Usually yes, but builders often require your agent to be registered on your first visit. Ask before you tour a sales office.
What is Shady Canyon?
A guard-gated luxury community in Irvine bordering open space, with custom and semi-custom homes.
Want advice for your situation?
Hieu Nguyen, Senior Mortgage Loan Originator, Century Financial Group Co.. Loans are offered only in states where Hieu Nguyen and Century Financial Group are licensed — see NMLS Consumer Access. Not a commitment to lend; all loans are subject to credit and underwriting approval. Contact: (714) 409-9272.