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Financing for high-value properties that exceed conforming loan limits. Ideal for luxury homes and high-cost real estate markets in Southern California.
A jumbo mortgage is right for you if you need to borrow more than the conforming loan limit ($806,500 in most areas) to purchase a luxury or high-value property. You will need strong credit (700+), a larger down payment, and significant reserves.
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Min Credit Score
700+
Min Down Payment
20%
Max LTV
80%
Max DTI
43%
Loan Limits
Starts above $806,500 (or $1,209,750 in high-cost areas); no upper cap
PMI / MIP
No PMI required
Occupancy
Primary, secondary, or investment property
We conduct a thorough review of your credit profile, income sources, assets, and cash reserves to determine your jumbo loan eligibility and optimal program.
Submit comprehensive income documentation including two years of tax returns, W-2s, and bank statements. We lock your rate and order the appraisal (often two appraisals for higher amounts).
Jumbo underwriting involves manual review of all financials, reserve verification, and detailed appraisal review. Expect thorough documentation requests.
Complete final document signing, wire your substantial down payment, and close on your high-value property.
This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Rates, terms, and availability of programs are subject to change without notice.
Explore other loan products that might be a good fit for your needs.
A traditional mortgage not insured by the federal government. Ideal for borrowers with strong credit and stable income who want competitive rates and flexible terms.
Lock in a consistent interest rate and monthly payment for the entire life of your loan. Available in 15 or 30-year terms, providing long-term payment stability.
Replace your existing mortgage with a new loan to lower your rate, reduce monthly payments, shorten your term, or access your home equity through cash-out refinancing.
Apply online in minutes or call us to speak with a loan advisor about your Jumbo options.
This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Rates, terms, and availability of programs are subject to change without notice.
These FAQs are generated with AI assistance and reviewed periodically. For personalized advice about your specific situation, please call us or apply online.