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. Jumbo loans in Kentfield are what I do — this is my backyard. Call (800) 239-1103.
Jumbo loans in Kentfield, CA are the standard — not the exception. With most Kentfield homes priced well above the 2026 conforming loan limit of $1,249,125 for Marin County, buyers need jumbo financing to purchase in this market. I work with 40+ wholesale lenders and close jumbo purchases in Marin County regularly. Here’s what you need to know.
What Is a Jumbo Loan and Why Does Kentfield Require One?
A jumbo loan is a mortgage that exceeds the conforming loan limit set by the Federal Housing Finance Agency (FHFA). The 2026 conforming loan limit for Marin County is $1,249,125 — the highest in the country. Since most Kentfield homes sell for $1.8M–$3M+, buyers finance well above that threshold and need jumbo financing. Unlike conforming loans backed by Fannie Mae or Freddie Mac, jumbo loans are funded by private investors — which means lenders set their own guidelines. Working with a mortgage broker gives you access to multiple jumbo lenders simultaneously rather than being locked into one bank’s program.
Jumbo Loan Programs for Kentfield Home Buyers
30-Year Fixed Jumbo: Most popular for buyers planning to stay long-term. Predictable payment, full amortization. 7/1 and 10/1 ARM: Fixed rate for 7 or 10 years, then adjusts annually. Often preferred in Kentfield where buyers plan to sell or refinance within that window — and the initial rate is typically lower than a 30-year fixed. Interest-Only Jumbo: Pay only interest for the first 10 years. Popular with high-income buyers who want lower monthly payments while maximizing cash flow. Jumbo with 10% Down: Select lenders offer 90% LTV up to $2.5M for borrowers with 720+ credit and strong reserves — no PMI required on most programs. Bank Statement Jumbo: For self-employed buyers, 12–24 months of bank statements replace tax returns for income qualification.
Qualifying for a Jumbo Loan in Kentfield
Jumbo lenders generally look for: Credit score of 720+ (some programs at 680+); Down payment of 10–20%+ depending on loan amount; Reserves of 12+ months of mortgage payments in liquid assets (more for larger loans); DTI ratio of 43% or below, with exceptions for strong compensating factors; and Income documentation appropriate to your situation — W-2 employees, self-employed, and retirees all have specialized programs. I’ve structured jumbo loans for every income type — tech executives with RSUs, self-employed business owners, retirees drawing from investment accounts. The loan gets built around your situation.
Frequently Asked Questions — Jumbo Loans Kentfield CA
How much can I borrow with a jumbo loan in Kentfield?
I can finance purchases up to $5M or more depending on the lender program and your qualifications. Most wholesale lenders I work with offer jumbo programs from $1.25M up to $3M–$5M with standard underwriting. Super-jumbo loans above $5M are available through portfolio lenders but require a larger down payment (typically 25–30%) and higher reserves. For most Kentfield purchases in the $1.8M–$3M range, there are excellent program options with competitive rates.
Are jumbo rates higher than conventional rates in 2026?
The spread has narrowed considerably. Well-qualified jumbo borrowers in 2026 often find jumbo rates within 0.125%–0.25% of conforming rates. In some cases, high-balance conforming loans (up to $1,249,125) and standard jumbo loans are priced similarly. The best comparison is to get actual quotes on both programs for your specific loan amount — I’ll do that at no cost.
How fast can I close a jumbo purchase in Marin County?
I routinely close jumbo purchases in 21–28 days. For fully documented files — W-2 income, standard assets — rush closings of 14–18 days are possible. In Marin County’s competitive market, a fast close is often the deciding factor in a multiple-offer situation, and sellers know that. My pre-approval is underwriter-reviewed, so there are no surprises mid-escrow.
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
