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Jumbo Loan Overview

A jumbo loan is a type of financing that exceeds the limits set by the Federal Housing Finance Agency and cannot be purchased, guaranteed, or securitized by Fannie Mae or Freddie Mac. Homeowners must undergo more rigorous credit requirements than those applying for a conventional loan. Jumbo loans allow you to buy expensive properties. A jumbo loan is not backed by Fannie Mae or Freddie Mac.

Rate: CLICK HERE

Jumbo Loan Highlights

Prime Full Doc Jumbo (Prime 30 Yrs Fixed/Prime 7/6 ARM)

Max. LTV

80%

Max. Loan Amount

$3M

Min. FICO

720

★Prime 7/6 ARM (30-day Average SOFR/2.75Margin; 5/1/5 Cap, Qualifying Rate is the Higher of Note Rate or Fully Index Rate. Floorrate=margin)

★U.S. Citizens

★Permanent Resident borrowers

★Non-Permanent Resident

★All U.S. citizens, permanent resident global clients, and non-permanent global clients must have a social security number inordertobeeligible.

Expanded Full Doc Jumbo (Expanded 30 Yrs Fixed/Expanded 15 Yrs Fixed)

Max. LTV

80%

Max. Loan Amount

$3M

Min. FICO

700

★DTI up to 50.00%

★No Adjustments for Condo / 2-Unit

★2nd Home and Investment are Eligible for C/O Refinance

★Non-occupant Co-borrowers Welcomed

★Max. Cash on Hand is Up to $500K

★Foreign Nationals are not eligible

CLICK HERE to get LTV & FICO limits and more details on the Matrix.

Jumbo Flyer

News and Videos

Navigating Full Doc Jumbo Loans: A Real-World Guide for Buyers with Low FICO Scores Maximizing Real Estate Investment with Full Doc Jumbo Loans: Spotlight on Non-Agency 30-Year Fixed and Non-Warrantable Condos Navigating Full Doc Jumbo Loans: The Critical Role of Managing Mortgage Late Payments

2024 Loan Limits in California Counties

COUNTY	1-Unit Limit	2-Unit Limit	3-Unit Limit	4-Unit Limit
ALAMEDA	$1,149,825	$1,472,250	$1,779,525	$2,211,600
ALPINE	$766,550	$981,500	$1,186,350	$1,474,400
AMADOR	$766,550	$981,500	$1,186,350	$1,474,400
BUTTE	$766,550	$981,500	$1,186,350	$1,474,400
CALAVERAS	$766,550	$981,500	$1,186,350	$1,474,400
COLUSA	$766,550	$981,500	$1,186,350	$1,474,400
CONTRA COSTA	$1,149,825	$1,472,250	$1,186,350	$2,211,600
DEL NORTE	$766,550	$981,500	$1,186,350	$1,474,400
EL DORADO	$766,550	$981,500	$1,186,350	$1,474,400
FRESNO	$766,550	$981,500	$1,186,350	$1,474,400
GLENN	$766,550	$981,500	$1,186,350	$1,474,400
HUMBOLDT	$766,550	$981,500	$1,186,350	$1,474,400
IMPERIAL	$766,550	$981,500	$1,186,350	$1,474,400
INYO	$766,550	$981,500	$1,186,350	$1,474,400
KERN	$766,550	$981,500	$1,186,350	$1,474,400
KINGS	$766,550	$981,500	$1,186,350	$1,474,400
LAKE	$766,550	$981,500	$1,186,350	$1,474,400
LASSEN	$766,550	$981,500	$1,186,350	$1,474,400
LOS ANGELES	$1,149,825	$1,472,250	$1,779,525	$2,211,600
MADERA	$766,550	$981,500	$1,186,350	$1,474,400
MARIN	$1,149,825	$1,472,250	$1,779,525	$2,211,600
MARIPOSA	$766,550	$981,500	$1,186,350	$1,474,400
MENDOCINO	$766,550	$981,500	$1,186,350	$1,474,400
MERCED	$766,550	$981,500	$1,186,350	$1,474,400
MODOC	$766,550	$981,500	$1,186,350	$1,474,400
MONO	$766,550	$981,500	$1,186,350	$1,474,400
MONTEREY	$920,000	$1,177,750	$1,423,650	$1,769,250
NAPA	$1,017,750	$1,302,900	$1,574,900	$1,957,250
NEVADA	$766,550	$981,500	$1,186,350	$1,474,400
ORANGE	$1,149,825	$1,472,250	$1,779,525	$2,211,600
PLACER	$766,550	$981,500	$1,186,350	$1,474,400
PLUMAS	$766,550	$981,500	$1,186,350	$1,474,400
RIVERSIDE	$766,550	$981,500	$1,186,350	$1,474,400
SACRAMENTO	$766,550	$981,500	$1,186,350	$1,474,400
SAN BENITO	$1,149,825	$1,472,250	$1,779,525c	$2,211,600
SAN BERNARDINO	$766,550	$981,500	$1,186,350	$1,474,400
SAN DIEGO	$1,006,250	$1,288,200	$1,557,150	$1,935,150
SAN FRANCISCO	$1,149,825	$1,472,250	$1,779,525	$1,867,275
SAN JOAQUIN	$766,550	$981,500	$1,186,350	$1,474,400
SAN LUIS OBISPO	$929,200	$1,189,550	$1,437,900	$1,786,950
SAN MATEO	$1,149,825	$1,394,775	$1,779,525	$2,211,600
SANTA BARBARA	$838,350	$1,073,250	$1,297,300	$1,612,250
SANTA CLARA	$1,149,825	$1,472,250	$1,779,525	$2,211,600
SANTA CRUZ	$1,149,825	$1,472,250	$1,779,525	$2,211,600
SHASTA	$766,550	$981,500	$1,186,350	$1,474,400
SIERRA	$766,550	$981,500	$1,186,350	$1,474,400
SISKIYOU	$766,550	$981,500	$1,186,350	$1,474,400
SOLANO	$766,550	$981,500	$1,186,350	$1,474,400
SONOMA	$877,450	$1,123,300	$1,357,800	$1,687,450
STANISLAUS	$766,550	$981,500	$1,186,350	$1,474,400
SUTTER	$766,550	$981,500	$1,186,350	$1,474,400
TEHAMA	$766,550	$981,500	$1,186,350	$1,474,400
TRINITY	$766,550	$981,500	$1,186,350	$1,474,400
TULARE	$766,550	$981,500	$1,186,350	$1,474,400
TUOLUMNE	$766,550	$981,500	$1,186,350	$1,474,400
VENTURA	$954,500	$1,221,950	$1,477,050	$1,835,600
YOLO	$766,550	$981,500	$1,186,350	$1,474,400
YUBA	$766,550	$981,500	$1,186,350	$1,474,400

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