Jumbo Loan Overview
Jumbo Loan Highlights
Elite Jumbo (5/6 ARM)
♦Deposit with Interest. More Deposit, Lower Rate!
♦Deposits are for a 12-month CD with Interest (must be held in an AAA-designated account).
Interest varies by the opening date.
♦ The minimum deposit is20%of the loan amount. Deposit with Interest.
Full Doc Jumbo (Prime 30 Yrs Fixed/Prime 10/6 ARM)
♦ Max. LTV 80% for purchase; Max. LTV 70% for C/O;
♦Min. 12 months reserves on PITIA;
CLICK HEREto get LTV & FICO limits and more details on the Matrix.
Jumbo Flyer
News and Videos
Elite Jumbo Loans: Where Luxury Meets Affordability
Navigating Full Doc Jumbo Loans: A Real-World Guide for Buyers with Low FICO Scores➡Video
Maximizing Real Estate Investment with Full Doc Jumbo Loans: Spotlight on Non-Agency 30-Year Fixed and Non-Warrantable Condos➡Video
Navigating Full Doc Jumbo Loans: The Critical Role of Managing Mortgage Late Payments➡Video
What is Jumbo Loan?
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.
In 2024, the FHFA improves the loan limits for all kinds of loan types, especially Jumbo Loans. Please refer to below 2024 loan limits in California.
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 |
| NORTHERN | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| THE GOLDEN | $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 |
| YOU | $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 |
| LET | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LOS ANGELES | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| WOOD | $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 |
| FEATHERS | $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 BENEDICT | $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 MATTHEW | $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 |
| HOLY CROSS | $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 |
| IT | $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 |
