👑 Luxury Financing

Jumbo Loans

Financing beyond conventional limits for high-value properties. Competitive rates, flexible terms, and the discretion you expect at this level.

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Starts At$807K
Min Credit700+
Max LTV85%
Max Loan$3M+
Above conforming limits — tailored for high-value properties.
Requirements

Who Qualifies

Jumbo loans are non-conforming mortgages that exceed the FHFA's conforming loan limits. They require stronger credit and larger reserves but unlock financing for luxury homes, high-cost markets, and significant real estate transactions.

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Loan Amounts: Above $806,500 (conforming limit) — typically up to $3M+
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Credit Score: 700+ minimum; 740+ for best pricing
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Down Payment: 10–20% depending on loan amount and property type
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Cash Reserves: 6–18 months PITI in verified liquid assets
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DTI Ratio: Up to 45% with strong reserves and credit
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Income: W-2, self-employed, asset depletion, or investment income

Key Benefits

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Luxury Property Financing
Finance high-value primary residences, second homes, and investment properties.
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Competitive Jumbo Rates
Our jumbo rates are often at or below conventional rates for well-qualified buyers.
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Flexible Income Documentation
W-2, self-employed, asset depletion, and retirement income all accepted.
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White-Glove Service
Dedicated loan officer, priority processing, and personalized closing experience.
FAQ

Common Questions

What makes a loan jumbo?

Any loan above the conforming limit — $806,500 in most of California for 2025. In high-cost counties like Orange County, limits may be higher. We'll tell you exactly where you stand.

Are jumbo rates higher than conventional?

Not always — in recent years, jumbo rates have often been competitive with or lower than conventional rates. It depends on the lender and your profile.

What credit score do I need for a jumbo loan?

Most jumbo lenders want 700+, with the best pricing at 740+. We have access to portfolio lenders who can sometimes go lower with compensating factors.

How much down payment is required?

Typically 10–20% depending on the loan amount and lender. Some programs allow 10% down with strong reserves and credit.

Do jumbo loans require more reserves?

Yes — most lenders want 6–12 months of reserves (principal, interest, taxes, insurance) in the bank after closing. We'll walk you through what you need to prepare.

Finance Your Dream Property

Discreet, professional service. Pre-approval letter in 24–48 hours.

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