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. The Bay Area is where jumbo lending really matters — in markets like Marin County, Palo Alto, and San Francisco, “conforming” is almost a footnote, and the real work is matching each client to the right jumbo investor, rate structure, and income documentation approach. Call (800) 239-1103.
Bay Area Jumbo Loan Limits by County in 2026
| County | Conforming Limit | Jumbo Starts At |
|---|---|---|
| San Francisco | $1,249,125 | $1,249,126+ |
| Marin | $1,249,125 | $1,249,126+ |
| San Mateo | $1,249,125 | $1,249,126+ |
| Santa Clara | $1,249,125 | $1,249,126+ |
| Alameda | $1,249,125 | $1,249,126+ |
| Contra Costa | $1,249,125 | $1,249,126+ |
| Napa | $1,249,125 | $1,249,126+ |
| Sonoma | $1,249,125 | $1,249,126+ |
Bay Area Jumbo Loan Programs in 2026
Conventional Jumbo (W-2 Income)
- Loan amounts from $1,249,126 to $5M+
- 10% down available up to $2M with 720+ credit
- 720–740 minimum credit score for best rates
- 43%–45% maximum DTI
- 6–12 months reserves required
Bank Statement Jumbo (Self-Employed Bay Area Buyers)
- 12 or 24 months of deposits — no tax returns
- Ideal for tech founders, consultants, and business owners
- 620+ credit score, 20%–30% down typical
- Available up to $5M+
RSU/Stock Income Jumbo (Tech Employees)
- Qualify using Restricted Stock Unit (RSU) vesting schedules
- Some lenders accept 1 year of RSU history (not the standard 2)
- Critical for Google, Meta, Apple, and NVIDIA employees in the Bay Area
Asset Depletion Jumbo
- Qualify using liquid assets divided over loan term — no employment required
- Ideal for early retirees, sold-company founders, and portfolio investors
- $2M+ in assets typically required for larger loans
Bay Area Jumbo Loan: Typical Transaction
A couple in Palo Alto is purchasing a $3,200,000 home:
- Down payment (20%): $640,000
- Loan amount: $2,560,000 (jumbo)
- Required credit score: 740+
- Estimated reserves needed: $150,000+ (6 months PITI)
- Rate advantage of shopping 40+ lenders: 0.25%–0.50% = $534–$1,068/month
Bay Area Jumbo Loan FAQs
What credit score do I need for a jumbo loan in the Bay Area?
Most Bay Area jumbo lenders require a minimum credit score of 720. For loans above $2M or with less than 20% down, 740+ is often required. A score of 760+ typically unlocks the best rates and most flexible programs. DiVita Home Finance shops 40+ jumbo lenders to match you with the right program for your score.
Can I get a Bay Area jumbo loan with 10% down?
Yes. Several lenders offer Bay Area jumbo loans with 10% down on loan amounts up to $2M–$2.5M, provided you have a 720+ credit score and 12 months of reserves. Above $2.5M, most lenders require 15%–20% down. Contact DiVita Home Finance to identify the best 10% down jumbo program for your situation.
Can tech employees use RSU income to qualify for a jumbo loan?
Yes. Many Bay Area jumbo lenders accept RSU income from tech employees at companies like Google, Apple, Meta, and NVIDIA. Typically, lenders want a 2-year history of RSU vesting, though some accept as little as 1 year. DiVita Home Finance specializes in tech income documentation for Bay Area jumbo loans.
Related Resources
- Jumbo Loans California — Complete Guide
- Jumbo vs Conforming Loan California 2026
- High-Balance Conforming Loans — Up to $1,249,125
- Marin County Mortgage Broker
- San Francisco Mortgage Broker
Related Reading
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
