Jumbo Loans in California
California’s high real estate values often require financing above conventional loan limits. DiVita Home Finance specializes in jumbo loans for California homebuyers purchasing luxury and high-value properties in Marin County, the Bay Area, Los Angeles, and beyond.
What Is a Jumbo Loan?
A jumbo loan is a mortgage that exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA). In 2024, the conforming loan limit for most California counties is $766,550, with high-cost counties like Marin reaching $1,149,825. Any loan above these limits is considered a jumbo loan.
Jumbo Loan Benefits
- Finance high-value California properties
- Competitive interest rates through wholesale lenders
- Fixed and adjustable rate options
- Available for primary residences, second homes, and investment properties
- Loan amounts up to $3 million and beyond
Jumbo Loan Requirements
Jumbo loans typically require stronger financial profiles: credit scores of 700+, reserves of 6-12 months, lower debt-to-income ratios, and down payments of 10-20%. As a Marin County mortgage broker with access to 40+ wholesale jumbo lenders, DiVita Home Finance finds the most competitive jumbo loan terms for your situation.
Get Your Jumbo Loan in California
Ready to finance your California dream home? Contact DiVita Home Finance at (800) 239-1103 or apply online. We’ve been helping California buyers secure jumbo financing since 2007.
Ready to Get Started?
Get pre-approved today or speak with one of our local mortgage experts. No cost, no obligation.
Or call us directly: 800-239-1103 — available 7 days a week.
