Jumbo loans · California

Jumbo loans in California, for higher-value homes.

When a home's price pushes your loan above conforming limits, a jumbo loan may be the path. Learn how jumbo financing works in California and what lenders typically look for.

  • Financing for loan amounts above conforming limits
  • Options for primary, second and sometimes investment homes
  • Guidance on down payment, reserves and documentation

Not a loan offer or commitment to lend. Available for California properties only. Programs, rates and terms vary and are subject to credit approval and underwriting. See licensing & disclosures.

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What brings you here?

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How will you use the property?

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What’s the approximate home price or value?

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How much down payment or equity do you have?

Estimated percentage of the home’s value.

Down payment or equity

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Credit profile

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Timeline

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No credit pull. No obligation. Not a loan commitment.
Takes about a minute
At a glance

How jumbo loans work.

Conforming loan limits are set each year by the Federal Housing Finance Agency and vary by county. A loan above your county's limit is generally considered jumbo.

County-basedLimits differ across California. High-cost coastal counties have higher conforming limits than inland ones.
Stronger profileLenders often look for higher credit scores and lower debt-to-income ratios.
Larger down paymentMany jumbo programs ask for more down than conventional loans, though options vary.
Cash reservesLenders may require several months of payments in reserve after closing.

Who it may fit

  • Buyers purchasing in higher-priced California markets
  • Borrowers with strong credit, stable income and meaningful assets
  • Homeowners refinancing a larger existing balance
  • Self-employed borrowers who can document income in line with lender guidelines

What to know first

  • Jumbo loans are not backed by Fannie Mae or Freddie Mac, so each lender sets its own guidelines.
  • Appraisal and documentation requirements are often stricter.
  • Rates and terms can differ from conforming loans and may move up or down relative to them.
  • A "piggyback" structure or a smaller loan may help some buyers stay under the limit. We can walk through the trade-offs.
Jumbo FAQ

Common jumbo loan questions.

What is the jumbo loan limit in California?

There is no single number. The conforming limit is set annually by the FHFA and differs by county, with higher limits in high-cost areas. Any loan above your county's limit is generally treated as jumbo. We can check your county for you.

How much down payment do I need for a jumbo loan?

It varies by lender and program. Jumbo loans often require more down than conventional loans, but options exist. Your credit, assets and the property all affect what is available.

Are jumbo rates higher?

Not always. Jumbo rates can be close to, above, or occasionally below conforming rates depending on the market and the lender. We do not quote rates on this site.

Does taking the quiz affect my credit?

No. The quiz and calculator do not involve a credit check, and you are not obligated to apply.

Explore other California loan options

Conventional loans →Refinance →Payment calculator →
Jagdish Singh, licensed California real estate broker
Meet your broker & loan officer

Jagdish Singh

Licensed California real estate broker · Mortgage Loan Originator

I’m a licensed real estate broker working in the California market. I started as a realtor in 2016, earned my broker’s license in 2019, and have helped hundreds of families buy homes with guidance grounded in local market knowledge.

I’m committed to personalized service for clients across the region, and I’m fluent in English, Hindi and Punjabi.

  • English
  • हिन्दी
  • ਪੰਜਾਬੀ

Landstar Realty Group · DRE Broker License #02110817Jagdish Singh · DRE Broker License #02002912Mortgage Loan Originator · NMLS ID #2734008 · with H.O.M.E. Lending, NMLS ID #1786164 H.O.M.E. Lending logoVerify on DRE · Verify on NMLS Consumer Access

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