Jumbo loans - tailored options above conforming limits
Financing for higher-price homes with custom structures.
What is a Jumbo loan?
Non-confomring loans above county conforming/high-balance limits; common in CA’s higher-cost markets.
PROS
Larger loan amounts
Fixed/ARM/interest-only options (some investors)
Competitive pricing for strong profiles
CONSIDERATIONS
- Strong credit, lower DTI, larger reserves
- Larger down payments
- Tighter appraisal/property standards
BASIC ELIGIBILITY
Excellent credit; verifiable income/assets
DTI within investor guidelines
Adequate down/reserves
RATES & COSTS
Profile-dependent; we’ll quote multiple investor options and structures.
CALIFORNIA NOTES
Common in Bay Area, LA/OC, San Diego, coastal counties
Condo/Second home/investor overlays vary
Frequently Asked Questions
With some investors.
Sometimes.