Jumbo Home Loans in Southern California
Financing for homes priced above the conforming loan limits, with the flexibility and personal service high-value purchases deserve.
- 30+ years of experience
- Loans up to $3 million
- Purchase and refinance
What Is a Jumbo Loan?
A jumbo loan is a mortgage larger than the conforming loan limit for your county. Because it can’t be sold to Fannie Mae or Freddie Mac, lenders set their own guidelines.
In much of coastal Southern California, even well-kept family homes cross that line, which makes jumbo financing more common than many buyers expect.
Why Choose a Jumbo Loan?
One loan for the whole purchase, even in Southern California’s priciest neighborhoods.
Larger Loan Amounts
Borrow well beyond conforming limits in a single mortgage.
One Simple Payment
No need to piece together a first and second mortgage.
Fixed or Adjustable
Lock a long-term rate or start lower with an interest-only or ARM option.
No PMI Options
Many programs skip mortgage insurance, even with less than 20% down.
Any Home You Want
Primary residences, vacation homes, and investment properties.
Personal Guidance
Direct access to an experienced lender through every step.
Do You Qualify?
Jumbo guidelines are stricter, but strong borrowers qualify every day. Lenders look for:
- Credit score of 700 or higher
- Down payment of 10% to 20% or more
- Cash reserves of 6 to 12 months of payments
- Debt-to-income ratio of about 43% or less
- Documented income and assets
Find Out What You Qualify For
Get a free pre-approval, often the same day. No obligation.
Prefer email? Send us a messageJumbo Loan Questions
When does a loan become a jumbo loan?
When it’s larger than the conforming limit for the county where the home is located. Limits change every year. See our county loan limits.
How much do I need to put down?
Many programs start at 10% down, and some allow less. A larger down payment usually earns a better rate.
Are jumbo rates higher than conventional rates?
Not necessarily. Jumbo rates are often close to conforming rates, and sometimes lower, depending on the market and your profile.
What are cash reserves?
Savings left over after closing, measured in months of mortgage payments. Retirement and investment accounts often count.
I’m self-employed. Can I get a jumbo loan?
Yes. Along with tax-return programs, we offer jumbo bank statement loans that qualify you using deposits instead.
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