Ask Orange Academy
A guided mortgage learning experience for buyers, homeowners, self-employed borrowers, and investors. Learn how approval really works — in plain English, at your pace.
👇 Choose your situation — Orange recommends the best path first:
Orange provides general mortgage education. Final loan options depend on full application, credit, income, assets, property, program guidelines, and lender approval. Nothing here is a rate quote, an approval, a commitment to lend, or tax or legal advice.
Go deeper with our California guides
First-Time Home Buyer in California
Down payment help, loan programs, and the steps to get pre-approved with confidence.
Jumbo vs Conforming Loans in California
County limits, rate and down-payment differences, and how to know which one you need.
How Much Down Payment Do You Need?
The 20% myth, low-down-payment programs, PMI, and California assistance — explained.
FHA vs Conventional Loans
Down payment, credit, and mortgage insurance compared — how to pick the right one.
How to Get Pre-Approved
Pre-qual vs pre-approval, the documents you need, and the 24–48 hour timeline.
