Jumbo Loans
Built for coastal California price tags.
When the loan you need clears conforming limits, routine in Orange County and LA, jumbo financing takes over. Loan amounts to $25 million, from 10% down, fixed or adjustable.
Who this is for
Is this your loan?
Buyers of higher-priced SoCal homes, move-up buyers crossing conforming limits, and borrowers financing luxury or coastal property.
Not sure? That's what we're here for. We price every eligible program against this one, so the comparison is done for you.
Jumbo isn't exotic here. It's Tuesday.
Conforming loan limits are set nationally, and Southern California's coastal markets blow past them constantly. A perfectly ordinary family home in Seal Beach, Irvine, or the South Bay can require a jumbo loan. The good news: jumbo lending has matured. Rates are competitive with, sometimes better than, conforming pricing for strong borrowers, and we place jumbo loans every month.
What jumbo financing looks like with us
- Loan amounts up to $25,000,000, from just-over-conforming to genuine estate financing.
- Down payments from 10% for qualified borrowers, rather than the 20 to 30% many banks still quote.
- Fixed or adjustable structures. Jumbo ARMs are popular here. On a large balance, the intro-rate discount is real money every month.
- Flexible underwriting for complex finances. RSUs, K-1 income, asset-based qualification. High-balance borrowers rarely have W-2-simple files, and we know how to document yours. (Genuinely unconventional income? See non-QM.)
What jumbo underwriting expects
Because no government agency backs these loans, lenders look closer: expect credit in the 700s for the best terms, documented reserves (often 6 to 12 months of payments), and a full appraisal, sometimes two on very large loans. None of this is a problem; it's a checklist. We tell you exactly what your file needs before you're in escrow, so underwriting is a formality rather than a drama. On a $2M purchase, that predictability is the whole game. Sellers at this price point have zero patience for lender surprises, and our reputation for early closings does some quiet negotiating on your behalf.
Jumbo Loans FAQs
Asked constantly. Answered honestly.
What makes a loan "jumbo" in Orange County?
Any loan above the conforming limit for the county, a figure that adjusts annually. Much of coastal OC and LA real estate requires jumbo financing at typical price points. We will tell you instantly which side of the line your target price falls on and what it means for your options.
Are jumbo rates higher than regular rates?
Not necessarily. For strong borrowers, jumbo pricing is frequently competitive with conforming, occasionally better. Pricing depends more on your credit, down payment, and reserves than on the jumbo label itself.
How much do I need down for a jumbo loan?
Programs start around 10% down for qualified borrowers. Larger down payments unlock better pricing, and very large loan amounts may require more equity. We will lay out the tiers for your target price.
What reserves do jumbo lenders want to see?
Commonly 6 to 12 months of total housing payments in liquid or near-liquid assets after closing, scaling with loan size. Retirement and investment accounts typically count at a discount. We will calculate your exact requirement before you shop.
Is a jumbo loan the same as a conventional loan?
No. A jumbo loan finances a home priced above the conforming loan limits set by the Federal Housing Finance Agency for its county, while a conventional loan stays within those limits. Jumbo loans are available in fixed, adjustable, and interest-only structures.
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