Big-loan expertise for California's biggest markets.
In much of coastal California, the median home price already exceeds conforming loan limits — and that's where jumbo loans come in. We offer competitive jumbo pricing up to $10M+ with flexible documentation options, interest-only structures, and portfolio programs for self-employed and high-net-worth borrowers.
- Buyers in the Bay Area, LA, OC, and coastal California
- Self-employed borrowers with strong reserves
- Executives with RSU / bonus-heavy compensation
- High-net-worth buyers using assets to qualify
What makes jumbo loans a smart choice.
Single loans up to $10M and higher with private-bank programs.
Piggyback and single-loan jumbo options with 10% down for well-qualified buyers.
Bank-statement, asset-depletion, and 1-year tax return programs available.
10-year IO jumbo programs for cash-flow flexibility.
The numbers at a glance.
Guidelines vary by lender and borrower profile — these are typical parameters. We'll run your exact scenario in minutes and give you a straight answer.
Talk to a Loan Officer| Loan amount | Above conforming ($1.21M+) up to $10M+ |
| Down payment | As low as 10% |
| Minimum FICO | 680+ (best pricing at 740+) |
| DTI | Up to 45% |
| Reserves | 6–12 months typical |
| Doc types | Full doc, bank statement, asset depletion |
Simple, transparent, on time.
- 1Consult
We learn your goals and review your options.
- 2Pre-Approve
Full underwrite in 24–48 hours.
- 3Shop & Lock
Shop with confidence, lock your rate.
- 4Close & Fund
Close on time — often 21 days or less.
Questions, answered.
What makes a loan a jumbo?+
Any loan above the conforming limit for your county. In 2026, that's above $806,500 in most CA counties and above $1,209,750 in high-cost counties like LA, OC, SF, and San Mateo.
Do jumbo rates cost more?+
Historically yes, but today jumbo rates are often at parity with — or even better than — conforming rates for well-qualified borrowers.
Can self-employed borrowers qualify?+
Absolutely. We have bank-statement jumbos (12 or 24 months of deposits), asset-depletion programs, and 1-year tax return options.
How much do I need to put down?+
Down payment starts at 10% for well-qualified borrowers, with 20% getting the best pricing. Loans above $3M typically require 25–30% down.