I’m Michael DiVita — DRE #01372066 | NMLS #241655, DiVita Home Finance (DRE #01818285 | NMLS #323700), Tiburon, CA. I’ve been in California mortgage lending since 2000 and founded DiVita Home Finance in 2007. Call (800) 239-1103.
Most homes in Greenbrae, California — whether a single-family residence, a waterfront condo on the Boardwalk, or a hillside retreat — are priced above Marin County’s 2026 conforming loan limit of $1,249,125, making jumbo mortgages the primary financing vehicle in this market. I’ve been placing jumbo loans throughout Marin County for over 25 years. My office is in Tiburon, I have deep relationships with 40+ wholesale jumbo lenders, and I close complex transactions that single-bank lenders routinely decline or misprice. See also: Greenbrae mortgage broker overview and California jumbo loans.
Greenbrae and Jumbo Financing: The Basics
Marin County’s 2026 conforming loan limit is $1,249,125 for a single-family home. Loans above that amount are true jumbo mortgages underwritten to private lender guidelines. Greenbrae Boardwalk condominiums — among the most sought-after properties in Marin County — frequently sell in the $1.0M–$1.5M range for waterfront units. Greenbrae single-family homes regularly trade between $1.5M and $2.5M. Even buyers putting 20% down on a $1.6M home are carrying a $1.28M loan, comfortably in jumbo territory.
Jumbo Loan Programs for Greenbrae Buyers
I offer a full range of jumbo products tailored to Greenbrae buyers: standard jumbo (up to $2.5M) with fixed and adjustable rates, 10–20% down, strong credit and income documentation required; super jumbo (up to $5M+) with portfolio lender products for high-value purchases and flexible qualification criteria; bank statement jumbo using 12–24 months of bank statements instead of tax returns, ideal for Greenbrae business owners and entrepreneurs; asset depletion loans that qualify using liquid assets rather than traditional income, popular with retirees and high-net-worth buyers; and interest-only jumbo programs for buyers who prefer payment flexibility in the early years.
Jumbo Loan Requirements in Greenbrae
| Requirement | Typical Guideline |
|---|---|
| Minimum Credit Score | 700 (720+ for best rates; 740+ for super jumbo) |
| Down Payment | 10–20% (some programs allow 10% to $2M) |
| Debt-to-Income Ratio | 43% maximum (lower preferred for large loan amounts) |
| Cash Reserves | 12–24 months of PITI after closing |
| Appraisal | 1–2 appraisals required for larger loan amounts |
Condo Jumbo Loans in Greenbrae
Greenbrae Boardwalk condos add an additional layer of complexity because lenders must review and approve the HOA project itself before funding the loan. I’m experienced with condo project approvals and have solutions — including non-warrantable condo loan programs — for situations where conventional approval is challenging. Don’t let a condo HOA issue derail a deal before you’ve talked to someone who knows how to work around it.
Frequently Asked Questions
What’s the minimum down payment for a jumbo loan in Greenbrae?
Several wholesale lenders currently offer jumbo programs with 10% down on loan amounts up to $2M–$2.5M, provided you have a 720+ credit score, documented income, and 12 months of post-closing reserves. A smaller number of programs allow as little as 5% down on jumbo amounts below $1.5M. On a $1.8M Greenbrae purchase, 10% down means $180,000 down plus closing costs ($25,000–$40,000) plus reserves — total liquid assets needed around $250,000–$280,000. The available programs and pricing shift frequently, which is why talking to a broker who monitors the wholesale market is more useful than relying on a rate table you found online.
Are jumbo rates higher than conventional rates in Greenbrae?
Not necessarily. Well-qualified jumbo borrowers — 720+ credit, 20%+ down, strong reserves — often find that wholesale jumbo rates are competitive with or even below conventional rates, because large-balance, low-risk loans are attractive to portfolio lenders actively competing for that business. The key is shopping: a single bank gives you one rate; I give you the wholesale market across 40+ lenders. On a $1.5M Greenbrae loan, a 0.25% rate difference saves $3,750 per year. That’s real money that rewards competitive shopping.
Can self-employed buyers get jumbo loans in Greenbrae?
Yes — through bank statement loan programs. Rather than requiring two years of tax returns (which often show much less income than self-employed buyers actually earn due to write-offs), bank statement jumbo lenders calculate qualifying income from 12–24 months of business or personal deposits. On a typical Greenbrae purchase of $1.8M, a bank statement program might qualify on $350,000–$400,000 in annual deposits while a tax return showing $120,000 net income would fall far short. I work with multiple bank statement jumbo lenders and can identify which currently has the most competitive rates and most favorable guidelines for your specific business structure and deposit pattern.
Talk to Michael Directly
DiVita Home Finance | Tiburon, CA | In lending since 2000, founded DiVita Home Finance in 2007. Michael DiVita DRE #01372066 | NMLS #241655. Company DRE #01818285 | NMLS #323700.
💬 Text: (310) 849-9124
