Jumbo Loans
Financing above conforming limits, simplified.
Jumbo loans finance home purchases above the conforming loan limits set by Fannie Mae and Freddie Mac — ideal for California's higher-cost markets and luxury properties.
Jumbo Loans Highlights
Finance loan balances well above conforming limits.
Today's jumbo pricing is often comparable to conforming loans.
Down payments often start around 10–20% depending on profile.
Available for most property types and occupancies.
Best For
- Buyers in California's high-cost coastal and metro markets
- Luxury and second-home purchasers
- High-income borrowers with strong reserves
General Requirements
- Strong credit (typically 700+)
- Substantial cash reserves (often 6–12 months PITI)
- Lower debt-to-income ratios
- Full income, asset, and employment documentation
Frequently Asked Questions
Not anymore. In many cases jumbo rates are equal to or lower than conforming — pricing depends on your profile and the lender.
Yes, depending on credit, reserves, and the property. We have programs that allow 10% down up to certain loan amounts.
Explore Other Loan Programs
Low down payment, flexible credit guidelines.
Zero down for those who served.
Flexible, popular financing for qualified buyers.
Investor financing based on rental income, not personal income.
Self-employed financing using deposits — not tax returns.
Lower your rate, tap equity, or change terms.
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