Most homes in Greenbrae, California — whether a single-family residence, a waterfront condo on the Boardwalk, or a hillside retreat — are priced above the standard conforming loan limits, making jumbo mortgages the primary financing vehicle in this market. DiVita Home Finance is Marin County’s trusted jumbo lending specialist, with 25+ years of experience arranging high-value home loans throughout the Bay Area.
Greenbrae and Jumbo Financing: The Basics
The 2026 conforming loan limit for single-family properties is $806,500. In high-cost areas like Marin County, the limit rises to $1,209,750 — but even this elevated cap is below the median home price in Greenbrae. Loans exceeding $1,209,750 are true jumbo mortgages that must be underwritten according to private lender guidelines.
Greenbrae Boardwalk condominiums — some of the most sought-after properties in Marin County — frequently sell in the $1.0 to $1.5 million range for waterfront units, and Greenbrae single-family homes regularly trade between $1.5 million and $2.5 million. DiVita Home Finance has the lender relationships and underwriting experience to close these transactions efficiently.
Jumbo Loan Programs for Greenbrae Buyers
We offer a full range of jumbo loan products tailored to Greenbrae buyers:
- Standard jumbo (up to $2.5M): Fixed and adjustable rates, 10–20% down, strong credit and income documentation required
- Super jumbo (up to $5M+): Portfolio lender products for high-value purchases, with flexible qualification criteria
- Bank statement jumbo: 12–24 months of bank statements instead of tax returns — ideal for Greenbrae business owners and entrepreneurs
- Asset depletion loans: Qualify using liquid assets rather than traditional income — popular with retirees and high-net-worth buyers
- Interest-only jumbo: Lower initial payments for buyers who prefer payment flexibility
Jumbo Loan Requirements in Greenbrae
While requirements vary by lender and loan program, here’s what most jumbo buyers in Greenbrae need:
| 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 also review and approve the HOA project itself. DiVita Home Finance is experienced with condo project approvals and has solutions — including non-warrantable condo loan programs — for situations where conventional approval is challenging.
Get Your Greenbrae Jumbo Rate Quote
Every jumbo loan in Greenbrae is unique. The best way to know what rate you’ll qualify for is to speak with a mortgage broker who knows this market. Contact DiVita Home Finance at (800) 239-1103 or reach out online for a free, no-obligation rate quote.
Michael DiVita, NMLS #241655 | DiVita Home Finance, Inc., NMLS #323700 | CA DRE #01818285
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About DiVita Home Finance
DiVita Home Finance is a small, family-owned mortgage company based in Marin County, California. When you call, you speak directly with Michael DiVita — the owner — not a call center, not an out-of-state rep, not someone reading from a script. We’re here for a low-key, no-obligation conversation about your situation.
We take your privacy seriously. We will never sell your information to third-party lenders or lead generation companies — unlike many of the large mortgage platforms. Your inquiry stays with us, period.
📞 Call: (800) 239-1103 | 💬 Text Michael directly: (310) 849-9124
About DiVita Home Finance
DiVita Home Finance is a small, family-owned mortgage company based in Marin County, California. When you call, you speak directly with Michael DiVita — the owner — not a call center, not an out-of-state rep, not someone reading from a script. We’re here for a low-key, no-obligation conversation about your situation.
We take your privacy seriously. We will never sell your information to third-party lenders or lead generation companies — unlike many of the large mortgage platforms. Your inquiry stays with us, period.
📞 Call: (800) 239-1103 | 💬 Text Michael directly: (310) 849-9124
