Jumbo Mortgage Loans in California

Financing for California homes above the conforming limit — competitive rates, multiple lender options, and a broker who shops the market for you.

Loan amounts from $1M to $5M+ with multiple lender options
Competitive rates — we shop wholesale pricing
Purchase, refinance, and cash-out options available
No credit impact Free, no obligationNMLS #2787839CA DRE #01212512

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Jumbo Loan Requirements

Loan amount above $1,017,750 (2026 conforming limit for most CA counties)
Credit score of 700+ typically required (720+ for best rates)
Down payment of 10-20% or more depending on loan amount
Strong reserves — 6-12+ months of payments in savings
Full income documentation (W-2, self-employed acceptable)
Lower debt-to-income ratios than conforming loans

Not sure if you qualify? Call 888-421-1117 — we'll walk through your scenario and find the best jumbo program for you.

What Qualifies as a Jumbo Loan in California?

A jumbo loan is any mortgage that exceeds the conforming loan limit set by the Federal Housing Finance Agency (FHFA). For 2026, the conforming limit in most California counties is $1,017,750. Any loan above that threshold is considered jumbo and is not eligible for purchase by Fannie Mae or Freddie Mac.

Because jumbo loans aren't government-backed, lenders set their own guidelines — which is why using a broker matters. We compare programs across wholesale pricing to find the best rate and terms for your loan size, credit profile, and property type.

$1M–$2M

Standard jumbo — widest options

$2M–$3M

Super jumbo — 20%+ down typical

$3M+

Ultra jumbo — portfolio lenders

Frequently Asked Questions

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