📞 (310) 594-5362  |  ✉️ rudycoronalending@gmail.comNMLS# 999113  |  Serving Long Beach 90802–90815 and All South Bay Zip Codes
📍 Long Beach, California — 90802 through 90815

Mortgage Broker in
Long Beach, CA
Home Loans & Reverse Mortgages

Long Beach spans 11 zip codes, a $500K–$1.3M price range, and every major loan program — from FHA first-time buyers in Downtown to jumbo buyers in Belmont Shore and Naples. I help buyers across all of Long Beach find the right loan and close with confidence.

🏠 Get Pre-Approved TodaySee All Loan Options
$825K
City Avg. (Redfin 2025)
$509K–$1.3M
Zip Code Range (Zillow)
11
Zip Codes Covered
21
Days to Close with Rudy
Serving Long Beach

Real Help for Real Buyers Across All of Long Beach

If you're looking to buy in Long Beach, you're looking at one of the most diverse and genuinely interesting real estate markets in Southern California. A city of 470,000 people with 11 residential zip codes spanning over $800K in price range — from sub-$500K condos in Downtown 90802 to $1.3M+ homes in Belmont Shore 90803 and Park Estates 90815. Whether you're a first-time buyer, moving up, investing, or exploring what your equity can do in retirement, Long Beach has a path for you.

I'm Rudy Corona. My office is in Redondo Beach, and I work with buyers across all of Long Beach's zip codes regularly. The financing approach that works in 90813 is completely different from what works in 90803 — and knowing those differences up front is exactly where I add value. Let me show you what's possible for your specific situation.

Start My Free Pre-Approval📞 Call (310) 594-5362
11 Zip Codes
From sub-$500K in 90802 to $1.3M+ in 90803 — every program in play somewhere in Long Beach
$825K
City average — but the right zip code and right program is what matters for your situation
FHA → Jumbo
Every major loan program applies somewhere in Long Beach — I cover the full range
Loan Programs

Home Loans Available in Long Beach

Long Beach has one of the widest program ranges of any city in Southern California. Here's what I offer buyers across all 11 zip codes.

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FHA Loans

3.5% Down580+ CreditDowntown · North LB

FHA loans are highly effective in Long Beach's more affordable zip codes — 90802 ($509K), 90813 ($598K), 90804 ($689K), and 90810 ($714K) are all strong FHA markets. Down payment as low as 3.5% with 580+ credit score. First-time buyer programs also available.

Learn about FHA →
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Conventional & Jumbo

3% Down$800K–$1.3M+Belmont Shore · Park Estates

Conventional loans cover the mid-range zip codes. Jumbo financing is required in Belmont Shore (90803, $1.3M Zillow), Park Estates area (90815, $1.03M), and Bixby Knolls/Cal Heights (90807, $953K). I work with 50+ lenders to match the right program to the right property.

Explore conventional & jumbo →
📈

DSCR Investment Loans

No Tax ReturnsRental IncomeMulti-Unit

Long Beach has one of the strongest rental markets in Southern California — second-largest city in LA County, strong demand across all price ranges. DSCR loans qualify on rental income with no personal tax returns. Duplexes, triplexes, and SFR rentals all qualify. Active investor market across multiple zip codes.

Learn about DSCR →
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Reverse Mortgages

Age 62+No Monthly PaymentEquity Access

Long-term Long Beach homeowners across all zip codes may have significant equity built up. A reverse mortgage can eliminate your mortgage payment and provide access to that equity without selling. HECM and jumbo reverse programs available for all price levels.

Learn about reverse mortgages →

SELF-EMPLOYED IN LONG BEACH?

Your tax return doesn't have to define what you can buy.

Bank statement loans qualify on deposits rather than AGI — available at conventional and jumbo levels for Long Beach's many self-employed professionals, business owners, and creative industry workers.

See Self-Employed Options →

Looking to Buy or Refinance in Long Beach?

Call or DM me to see your options. Honest answers, no pressure.

📞 Call (310) 594-5362✉️ DM Rudy🏡 Get Pre-Approved Free
2025 Market Data

Long Beach — Market Snapshot by Zip Code

Zillow median values for all 11 Long Beach zip codes — a $800K spread from entry to premium.

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$1.32M
90803 — Belmont Shore/Naples
Most expensive zip code
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$1.03M
90815 — Park Estates / Los Altos
East LB premium
🏘️
$1.03M
90808 — El Dorado / Lakewood Village
East Long Beach family
🏙️
$509K
90802 — Downtown Long Beach
Most accessible zip

Full 11-Zip Snapshot (Zillow 2025)

90802 $509K
Downtown
90803 $1.32M
Belmont Shore/Naples
90804 $690K
East Village/Cambodia Town
90805 N/A
North Long Beach
90806 $784K
Wrigley/Signal Hill Adjacent
90807 $953K
Bixby Knolls/Cal Heights
90808 $1.03M
El Dorado/Lakewood Village
90810 $714K
West Long Beach
90813 $598K
North/Central LB
90814 $978K
Belmont Heights
90815 $1.03M
Park Estates/Los Altos
Why Local Matters

Why Work With a Local Mortgage Broker in Long Beach

Long Beach is not one market — it's eleven, each with a distinct price range, buyer profile, and optimal loan program. Matching the right financing to the right zip code is the difference between a smooth transaction and a frustrating one.

I work with Long Beach buyers across all 11 zip codes. The same pre-approval conversation that works for a 90802 FHA buyer is completely different from what a 90803 Belmont Shore jumbo buyer needs — and I'm equipped for both.

I'm not trying to close a transaction and move on. I'm trying to bless somebody's life financially — and that starts with showing up fully for every buyer I work with.

🗺️

All 11 Zip Codes Covered

From 90802 FHA condos to 90803 jumbo Belmont Shore homes — I know which programs apply where and why.

⚡

21-Day Closings

Long Beach is a competitive market across most zip codes. A fully prepared buyer with a 21-day close commitment wins more deals.

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50+ Lenders — Every Program

FHA, conventional, high-balance, jumbo, DSCR, bank statement — I shop 50+ lenders to find the best match for every buyer and every property type.

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Honest, Zip-Specific Guidance

I'll tell you which zip code, which program, and what it actually costs to close on the Long Beach home you want — from the first conversation.

Neighborhoods

Neighborhoods in Long Beach

Long Beach spans 11 zip codes from $509K Downtown condos to $1.3M Belmont Shore homes. Here's the breakdown.

90803 — Belmont Shore & Naples — Most Premium in Long Beach

90803 is the most desirable and most expensive zip code in Long Beach — home to Belmont Shore (the walkable coastal neighborhood centered on 2nd Street), Naples Island (one of the most unique waterfront communities in California, built on a series of islands with canals between them), and Belmont Park. Zillow places the 90803 median at $1.32M.

Most 90803 transactions require jumbo financing. Naples Island in particular features custom homes on the water that can push well above $2M. The 2nd Street commercial corridor, beach access, and the distinctive island community character make 90803 one of the most competitive neighborhoods in all of Long Beach.

Belmont ShoreNaples Island2nd StreetWaterfrontCanalsJumbo Required
$1.32M
Zillow Median
$2M+
Naples Island Premium
Jumbo
Most Transactions
Walkable
To Beach & 2nd St.

90815 & 90808 — East Long Beach Premium

90815 (Park Estates, Los Altos, University neighborhood) and 90808 (El Dorado, Lakewood Village) are the premium east Long Beach zip codes — predominantly single-family homes on larger lots, strong schools (including CSULB proximity for 90815), and Zillow medians around $1M–$1.03M.

Park Estates is one of Long Beach's most architecturally distinctive neighborhoods — mid-century ranch and contemporary homes on generous lots. El Dorado in 90808 borders El Dorado Park and offers family-oriented SFRs in the $900K–$1.2M range. Both zip codes primarily require conventional high-balance or jumbo financing.

Park EstatesLos AltosEl DoradoCSULBFamily SFRsEast Long Beach
$1.03M
90815 Zillow Median
$1.03M
90808 Zillow Median
Conv/Jumbo
Primary Programs
East LB
Premium Location

90807 & 90814 — Bixby Knolls, California Heights & Belmont Heights

90807 covers Bixby Knolls and California Heights — two of Long Beach's most beloved inland neighborhoods. Tree-lined streets, Craftsman and Spanish Revival homes, a walkable commercial district on Atlantic Ave, and median values around $953K (Zillow). 90814 includes Belmont Heights — a coastal-adjacent neighborhood between Belmont Shore and downtown with a $978K Zillow median.

Both zip codes require conventional and in some cases jumbo financing. Bixby Knolls in particular has seen strong appreciation driven by design-conscious buyers from LA who appreciate its architectural character at prices below comparable Westside neighborhoods.

Bixby KnollsCal HeightsBelmont HeightsCraftsman HomesAtlantic AveArchitecture
$953K
90807 Zillow Median
$978K
90814 Zillow Median
Conventional
Primary Program
Character
Neighborhoods

90802 & 90813 — Downtown and North Long Beach — Entry Points

90802 (Downtown Long Beach) is the most affordable zip code in the city — Zillow places the median at $509K. The downtown area offers condos, lofts, and apartments in high-rise and mid-rise buildings, walkability to the waterfront, dining, and transit. Strong rental and investor demand. FHA loans work across most 90802 properties.

90813 covers parts of north and central Long Beach with a $598K Zillow median. This is an active FHA market with significant first-time buyer and investor activity. Both zip codes have strong rental demand and are worth attention for investors building a Long Beach portfolio.

Downtown LBWaterfront90802 FHA90813 FHAFirst-Time BuyersInvestor Active
$509K
90802 Zillow Median
$598K
90813 Zillow Median
FHA
Primary Program
Condos
& Mixed Housing

90806 & 90810 — Wrigley, Signal Hill Adjacent & West Long Beach

90806 (Wrigley neighborhood, Signal Hill adjacent) has a Zillow median of $784K — conventional loans cover most transactions here. 90810 (West Long Beach, near the 710 freeway and the LA River) sits at $714K — FHA and conventional both applicable depending on price and property type.

These mid-range zip codes are practical, well-connected, and offer genuine value relative to the premium east Long Beach zips. Strong rental demand from port and logistics workers keeps investor activity consistent.

WrigleySignal Hill AdjacentWest Long BeachFHA / ConventionalMid-Range ValueFreeway Access
$784K
90806 Zillow Median
$714K
90810 Zillow Median
FHA/Conv
Both Programs
Value
vs. East LB
Complete Buyer's Guide

Buying a Home in Long Beach CA — The Complete Guide

Long Beach is the second-largest city in Los Angeles County and one of the most genuinely diverse real estate markets in California. Eleven zip codes. Price ranges from $509K to $1.3M+. FHA condos in Downtown and jumbo waterfront homes in Naples. Single-family Craftsman bungalows in Bixby Knolls and luxury condo towers on Ocean Boulevard.

Which Long Beach Zip Code Is Right for You?

  • 90802 ($509K) & 90813 ($598K): FHA and entry-level conventional. Downtown condos and north LB SFRs. First-time buyers and investors.
  • 90804 ($690K) & 90810 ($714K): FHA and lower conventional. East Village, Cambodia Town, West LB. Value-oriented neighborhoods.
  • 90806 ($784K): Conventional. Wrigley, Signal Hill adjacent. Mid-market value.
  • 90807 ($953K) & 90814 ($978K): Conventional. Bixby Knolls, Cal Heights, Belmont Heights. Character neighborhoods, strong demand.
  • 90808 ($1.03M) & 90815 ($1.03M): Conventional and jumbo. El Dorado, Park Estates, Los Altos. Premium east LB family neighborhoods.
  • 90803 ($1.32M): Jumbo. Belmont Shore, Naples Island. The most desirable and most expensive zip in Long Beach.

Financing Across Long Beach

The conforming loan limit for LA County in 2025 is $1,209,750. In Long Beach, this means FHA applies in the more affordable downtown and north LB zips, conventional covers most of the mid-range, and jumbo is required in 90803, most of 90808, and upper-end 90815 transactions.

Long Beach as an Investment Market

Long Beach has one of the strongest rental markets in Southern California — 40%+ of housing units are renter-occupied, and strong demand comes from students (CSULB), port workers, healthcare and education professionals at the numerous hospitals and schools, and commuters to LA. DSCR loans are actively used across multiple Long Beach zip codes for both SFR and multi-unit investment acquisitions.

Your Next Step

Whether you're targeting a Downtown condo, a Belmont Shore jumbo, or a Bixby Knolls Craftsman — the financing conversation starts here. Call me at (310) 594-5362 for a free 20-minute consultation. I'll tell you exactly which Long Beach zip code, which program, and what it takes to close.

Quick Reference

Long Beach — Neighborhoods at a Glance

Belmont Shore (90803)
Most Expensive
$1M–$3M+

Walkable 2nd Street, beach access, Naples waterfront. Jumbo required. Most competitive zip.

Naples Island (90803)
Waterfront
$1.5M–$5M+

Canal-front homes on one of CA's most unique residential islands. Custom homes, boats, views.

Belmont Heights (90814)
Coastal Character
$800K–$1.4M

Victorian and Craftsman homes near Bluff Park. Beach adjacent, strong appreciation.

Bixby Knolls (90807)
Architectural
$800K–$1.3M

Tree-lined streets, Craftsman and Spanish Revival homes. Atlantic Ave walkability.

Park Estates (90815)
East LB Premium
$900K–$1.4M

Mid-century and ranch homes on large lots. CSULB adjacent. Family-focused neighborhood.

Downtown (90802)
Entry Level
$400K–$750K

Condos, lofts, waterfront access. Most accessible entry in Long Beach. FHA-friendly.

Related Reading

Helpful Articles for South Bay Buyers

Jumbo Loans

Jumbo Loans in the South Bay: What Buyers Need to Know

When your purchase price exceeds $1.2M, different rules apply. Here's the complete breakdown on jumbo financing.

Read the article →
Self-Employed

Self-Employed? Here's How Bank Statement Loans Work

Tax returns not reflecting what you earn? Bank statement loans qualify on real cash flow — available at conventional and jumbo levels.

Read the article →
Reverse Mortgages

Reverse Mortgages in the South Bay: What Senior Homeowners Should Know

Significant equity in your home? Here's how reverse mortgages work and when they make the most sense.

Read the article →
View All Articles →
Service Area

Areas We Serve Near Long Beach

Based in Redondo Beach and serving buyers across the entire South Bay and beyond.

Carson
90745 · 90746
FHA, conventional, DSCR, and reverse mortgages across Carson & the South Bay.
View page →
Gardena
90247 · 90248 · 90249
Three zips — FHA through jumbo. Strong value just inland from the beach cities.
View page →
Hermosa Beach
90254
Sand Section, Tree Section, East Hermosa & The Strand — jumbo across most deals.
View page →
Lawndale
90260
South Bay pocket city — FHA, conventional, DSCR, and reverse mortgages.
View page →
Lomita
90710 · 90717
Harbor-adjacent — FHA, conventional, DSCR, and reverse mortgages.
View page →
Manhattan Beach
90266 · 90267
Sand Section, Tree Section, East Manhattan & The Strand — expert jumbo financing.
View page →
Palos Verdes
90274 · 90275
Jumbo & super jumbo on the Peninsula — PVE, RPV, Rolling Hills & more.
View page →
Redondo Beach
90277 · 90278
Hollywood Riviera, North & South Redondo — FHA through jumbo.
View page →
San Pedro
90731 · 90732
Harbor & coastal South Bay — FHA, jumbo, DSCR, and reverse mortgages.
View page →
Torrance
90501–90506
Five zip codes, top schools — FHA-friendly entry to jumbo near PV.
View page →
Wilmington
90744 · 90748
Port-adjacent — FHA, conventional, DSCR, and reverse mortgages.
View page →

Ready to Make a Move in Long Beach?

No pressure, no obligation — just a straight conversation about what's possible.

📞 Call (310) 594-5362✉️ DM Rudy🏡 Get Pre-Approved Free
Common Questions

Long Beach Mortgage FAQs

Answers to questions I hear most from buyers in Long Beach.

90802 (Downtown, $509K Zillow median) and 90813 (north/central LB, $598K) are the most accessible for FHA buyers. 90804 ($690K) and 90810 ($714K) offer more SFR options at FHA-accessible price points. Which is best depends on your priorities — walkable downtown lifestyle (90802), more SFR character (90804), or commuter access (90810). A 20-minute call can help you figure out which one fits your life.

In most cases, yes. The 90803 Zillow median is $1.32M — well above the $1.2M LA County conforming limit. Naples Island custom homes regularly push above $2M. Most meaningful Belmont Shore and Naples purchases require jumbo financing with 700+ credit, 20% down, and 12 months of reserves. That said, some smaller 90803 condos and townhomes still fall within conventional range.

Long Beach has one of the highest renter percentages of any major California city — over 40% of households are renters. Strong demand comes from CSULB students, port and logistics workers, healthcare professionals, and commuters to LA. DSCR loans are widely used across multiple zip codes for single-family and multi-unit investment acquisitions, qualifying on rental income with no personal tax returns.

Long Beach Unified School District is one of the largest in California and has been recognized for its academic turnaround. Specific school quality varies significantly by neighborhood — east Long Beach zip codes (90808, 90815) consistently receive higher ratings. CSULB (California State University, Long Beach) is the area's major university, in 90815.

Yes. Bank statement loan programs qualify you on 12–24 months of deposits rather than tax returns. These programs are available at conventional and jumbo levels — covering the full Long Beach price range. If your business generates real cash flow that your tax return doesn't fully reflect, there is likely a path to the Long Beach home you want.

Still Have Questions?

Call me directly — real answers, no scripts. If your situation is complex, that's where I do my best work.

  • Free, no-obligation consultation
  • All loan programs available
  • Self-employed welcome
  • Same-day response
  • NMLS# 999113 — CA licensed
📞 Call (310) 594-5362Book a Free Consultation →

Let's Get You Into Long Beach

I'm right here in the South Bay and ready to help — from first-time buyers to investors to senior homeowners exploring their equity options.

  • FHA, Conventional, Jumbo, DSCR — all programs
  • Close in as few as 21 days
  • 50+ lenders shopped for you
  • Bank statement loans for self-employed buyers
  • Reverse mortgages for senior homeowners

Call directly: (310) 594-5362

Email: rudycoronalending@gmail.com

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Tell me what you're targeting — I'll reach out same day.

By submitting you agree to be contacted by Rudy Corona. NMLS# 999113. Not a commitment to lend.

Your Long Beach Home Starts with One Conversation

Free pre-approval. 20 minutes. I'll tell you exactly what you qualify for and what it takes to close.

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