Jumbo loans
California prices need California-sized financing.
Jumbo loans finance amounts that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. Common in coastal California. Underwriting is stricter; with the right structure, rates can be competitive.
Eligibility
- Loan amount above the conforming or high-balance limit for your county
- Strong credit (typically 700+)
- Documented income and reserves
- Down payment of 10 to 20%+ depending on loan size
Benefits
- Low rates for your big loan.
- Fixed and adjustable structures, including interest-only for qualified borrowers.
- Maximum flexibility on structure: piggyback combos or a single jumbo.
- Quick turnaround for your jumbo purchase or refinance.
How we help
Through our long-standing relationships, we are able to deliver pricing that holds up against any large-bank quote. We do the comparison work so you do not have to.
We offer concierge customer service and a mortgage process that adapts to your transaction, not the other way around.
FAQ
What is the conforming limit?
It varies by county and is reset annually. Orange County and other coastal counties have higher high-balance thresholds. Paul will tell you which side of the line your loan is on.
Do I need 20% down?
Not always. Some jumbo programs allow 10% down with strong credit and reserves.
Can I do interest-only?
Yes, for qualified borrowers. Useful if you expect a liquidity event in the next several years.
Ready when you are. Better call Paul.