Need to exceed conforming loan limits? Jumbo loans give you the purchasing power to secure luxury homes and high-value properties with competitive rates and flexible terms tailored to strong borrowers.
No obligation. No credit check to get started.
California is the largest mortgage market in the country by dollar volume. Most coastal and Bay Area counties are designated high-balance, with conforming limits of $1,209,750 — meaningfully above the national floor. Median home prices in San Francisco, San Mateo, Santa Clara, and Marin counties remain above $1.5M.
California's coastal markets routinely produce loan amounts above $2M. Bay Area, Westside LA, Orange County coast, and San Diego's coastal ZIPs are our highest-volume jumbo regions.
A jumbo loan is a mortgage that exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA).
Because jumbo loans cannot be purchased by Fannie Mae or Freddie Mac, they are held by private lenders and carry unique qualification requirements — typically stricter than conforming conventional loans.
Jumbo loans start where conforming loans end — at $806,500 or more for most areas, with higher thresholds in designated high-cost counties. If your dream property exceeds standard loan limits, a jumbo loan provides the financing you need.
Jumbo financing is designed for buyers seeking luxury residences, estate properties, and premium real estate, with loan amounts well into the millions.
Built for qualified borrowers who need financing beyond conventional limits.
Finance properties well beyond conforming loan limits, with loan amounts reaching into the millions.
Well-qualified borrowers with excellent credit and substantial assets can secure highly competitive rates, often comparable to or better than conventional pricing.
Choose from fixed-rate and adjustable-rate options with terms ranging from 15 to 30 years.
Stricter qualification standards than conventional mortgages.
Most jumbo lenders require 700+, with the best rates reserved for 740+. Strong credit demonstrates ability to manage large financial obligations.
Typically 10% to 20% depending on loan amount and lender. Larger down payments unlock better rates.
Lenders want to see 6-12 months of mortgage payments in liquid reserves after closing.
Total monthly debt obligations should not exceed 43% of gross monthly income. Some exceptions with strong compensating factors.
From consultation to closing with personalized attention.
Meet with a jumbo loan specialist to discuss your property goals, financial profile, and loan options.
Submit your financial documentation including income verification, asset statements, and tax returns.
Thorough review of your file plus a certified appraisal — jumbo appraisals require additional scrutiny.
Sign your final documents and receive the keys to your luxury property.
Answers to the most common questions about jumbo loans in California.
Lending Arena offers the full mortgage product set across California. See what else might fit your situation.
Lending Arena, NMLS #1603937. Licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act and/or the California Finance Lenders Law. Equal Housing Lender. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. All loans are subject to credit and property approval. Do Not Sell or Share My Personal Information requests can be submitted to privacy@lendingarena.com.