Jumbo Home Loans

Jumbo home loans are loans for amounts above the conforming loan limits.  While the best rates and terms are typically reserved for conventional loans that fit within these loan limits, we have access to some excellent pricing through our wholesale channel.  The pricing is fantastic; very similar to conventional loan pricing.  Purchase or refinance.  Cash out or rate and term.  We can even go up to 89.99% loan to value, cash out with no mortgage insurance on these jumbo loans!  This is truly a special product, and one that is not offered through retail channels.

We can help with jumbo loans for not only 30 year fixed rates, but also for 15 year fixed terms.  Leverage our jumbo loans for your primary residence, secondary residence and even investment properties.  Maximum loan amount under these terms is $2,000,000 – but we do have additional jumbo loan products for loan requests at higher loan amounts.

For many living in California, jumbo loans are a fact of life.  Regardless of how good your credit is, if your loan amount is over the conventional limit you are forced into what seems like an inferior product – paying higher rates than you would for the same loan at a lower loan amount.  Our wholesale partner has provided us an excellent option for jumbo loans, price us out today!

California Jumbo Home Loan Guidelines

In addition to excellent rates and no mortgage insurance up to 89.99% under this California jumbo home loan product, the credit requirements are expanded.  While many jumbo home loans will require credit scores of 740 or more, we can help secure a jumbo loan at great rates with credit scores as low as 680.  Debt to income ratios can qualify up to 45%.  Most of the time if you can qualify for a conventional loan with the exception of the loan amount being too high, we can qualify you for a jumbo home loan.

Loan limits are updated/increased from time to time.  You can check the current conventional loan limits with Fannie Mae, or you can call us to check the loan limits for your specific county.  If your new loan amount is above these loan limits, you may benefit from our wholesale jumbo home loan programs!

Call us for more information, or complete our quick online refinance questionnaire for a custom quote.