California Jumbo Loan Lending

2024 California Conforming Loan Limits. The Federal Housing Finance Agency (FHFA) has set the 2024 California Conforming loan limit for single family homes at $766,550 and up to a $1,149,825 loan limit in “high-cost” counties like Orange County, Los Angeles County, Santa Clara County, San Mateo County and others.

If your purchase loan exceeds these limits, you will need a Jumbo Home Loan.

Some of our most popular Jumbo Loan Programs:

Don't see what you're looking for here or need more info? We have dozens of Jumbo loan options available! APPLY ONLINE

BANK STATEMENT PROGRAM: A California Jumbo Loan for the Self-Employed

Perfect for self-employed borrowers that have issues proving income with full documentation.We can qualify with bank statements or P&L and use asset allowance.

  • No tax returns necessary
  • Qualify with bank statements or P&L only
  • Loan amounts up to $6MM


This exception-based loan program is for borrowers who just miss qualifying for conventional full doc. This Jumbo Loan has increased Loan to Value limits and allows for a higher Debt to Income Ratio.

  • Assets only and 60 months asset allowance
  • Can exclude departing residence from Debt to Income Ratio
  • Loan amounts up to $6MM


DSCR OR NO RATIO - Real Estate Investment Loans

We offer three different DSCR programs to fit real estate investors' needs. Qualification is based solely on the cash-flow of the non-owner-occupied property.

  • DSCR can be down to 0
  • Foreign national option
  • Loan amounts up to $6MM


Jumbo Loans with Multiple Buydown Options!

  • Loan Amounts up to $3 million
  • Buydown Options Available on Owner Occupied Purchases: 3-2-1, 2-1, and 1-0
  • Use Seller, Builder, Realtor, or Lender Credit to Pay for Buydown
  • 89.99% Maximum Loan to Value
  • 30-year fixed or 30-Year Interest Only
  • True blended ratios
  • Business funds can be used for funds to close
  • Only 1 appraisal needed up to $3mm
  • Loan Amounts up to $3mm


FULL DOC QUALIFIER - A California Jumbo Loan for those who file income the traditional way.

This is a popular Jumbo Loan option for borrowers who file their income the traditional way and are looking to expand their loan qualifications.

  • Debt to Income up to 55%
  • Credit scores down to 600
  • Recent credit events allowed
  • All occupancy types allowed
  • 7/6 and 10/6 ARM, 30, and 40 yr I/O option not fixed
  • Multiple financed properties allowed
  • Up to 90% Loan to Value
  • Loan amounts up to $4MM


Speak with one of our Jumbo Loan specialists to learn more or to get qualified!

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Speak with one of our Jumbo Loan specialists to learn more or to get qualified!

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What is a Jumbo Loan?

A jumbo loan is a mortgage loan that exceeds the conforming loan limit set by government-sponsored enterprises (GSEs) like Fannie Mae and Freddie Mac. The conforming loan limit varies by location.

Who Needs a Jumbo Loan?

Jumbo loans are typically used by borrowers who want to purchase a home that is more expensive than the conforming loan limit. This could include borrowers who are buying a home in a high-cost area, such as California, or borrowers who want to buy a larger or more luxurious home.

If you are considering a jumbo loan, it is important to weigh the benefits and drawbacks carefully to decide if it is the right choice for you.

Here are some tips for borrowers who are considering a jumbo loan:

  • Get pre-approved for a jumbo loan before you start shopping for a home. This will give you an idea of how much you can afford and will make the home buying process go more smoothly.
  • Work with a lender that has the ability to originate jumbo loans through multiple wholesale lenders like Tried & True Home Loans. Jumbo loans can vary widely in terms of cost, so it is important for your Mortgage Loan Originator to be able to shop around to get the best deal.
  • Be prepared to pay a higher down payment than a conforming conventional or FHA loan. Jumbo loans typically require a higher down payment than conforming loans.

If you are considering a jumbo loan, be sure to work with a qualified mortgage lender who can help you understand your options and find the right loan for your needs.

Priced reduced homes that may require jumbo loan financing July 20, 2024
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