Jumbo Home Loans

What Is a Jumbo Loan?

A jumbo loan is a mortgage used to finance homes that exceed standard conforming loan limits. These loans are common in higher-cost markets like San Diego County and are designed for buyers purchasing luxury or higher-value properties.
Financing solutions for higher-priced homes with flexible terms and competitive rates.
Buyers Purchasing Higher-Priced Homes

Jumbo loans are ideal for borrowers buying homes above conventional loan limits.

Borrowers With Strong Financial Profiles

This loan works best for buyers with solid credit, steady income, and sufficient assets.

Higher Loan Amounts

Finance more expensive homes without needing multiple loans or alternative financing.

Flexible Loan Structures

Choose from fixed-rate or adjustable-rate options depending on your financial strategy.

Stronger Credit & Income Guidelines

Most jumbo loans require higher credit scores and documented income.

Larger Down Payment

Down payments typically start higher than conventional loans, depending on the loan amount.

Frequently asked questions

What qualifies as a jumbo loan?

Any loan amount above standard conforming limits is considered jumbo.

Rates can be competitive and often depend on credit, income, and market conditions.

Yes. Jumbo loans can be used for primary homes, second homes, and some investment properties.