A jumbo mortgage is a home loan for an amount that exceeds conforming loan limits established by the federal housing finance agency. The conventional loan limit in many California counties is $647,200. However, in select California counties such as LA County, the maximum conventional loan limit is $$970,800.

Borrowers can now put as little as 5% down up to a $1,500,000 loan amount. Minimum credit scores of 620 are eligible on some jumbo products.

We specialize in jumbo mortgages in California. Most conventional lenders require a 20% down payment above the max conventional loan amount of $822,375. We will work with your situation so you can keep more money in your pocket.

These programs are available in all of California.

Yes! We specialize in mortgages for self-employee jumbo borrowers. Two years of self-employment history required. Instead of basing your income on tax returns, we review your bank statement deposits to evaluate income. Purchase, refinance, and cash-out options are available. We also have super-jumbo options for loans over $3M.

We now have jumbo mortgage options for buyers with credit scores down to 620! The lower your credit score the more you will need to put down. Refinance cash options are also available for scores down to 620.

Yes! We now have no documentation investment jumbo cash out options up 75% LTV. This means the underwriting approval is based on the property and not your income. No tax returns are needed.