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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 10/6 ARM)

Max. LTV
80%
Max. Loan Amount
$3M
Min. FICO
720

★Prime 10/6 ARM (30-day Average SOFR/2.75Margin; 5/1/5 Cap, Qualifying Rate is the Higher of Note Rate or Fully IndexRate. 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.

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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

AGAINST THE COAST

$1,149,825

$1,472,250

$1,186,350

$2,211,600

NORTHERN

$766,550

$981,500

$1,186,350

$1,474,400

THE 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

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

Saint 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

SAINT MATTHEW

$1,149,825

$1,394,775

$1,779,525

$2,211,600

SAINT 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