If you’re buying a home in Marin County, you almost certainly need a jumbo loan. With the Q2 2026 median sale price for a single-family home at $1,865,000 — and popular neighborhoods like Ross, Kentfield, and Belvedere regularly clearing $3M–$5M — the conforming loan limit of $1,209,750 covers only a fraction of what Marin buyers actually purchase.
DiVita Home Finance is Marin County’s jumbo mortgage specialist. We close jumbo loans in 15–21 days, offer down payments as low as 10%, and can pre-underwrite your file before you make an offer — giving you the edge in Marin’s ultra-competitive market where homes are selling in 13 days at 104.7% of list price.
What Is a Jumbo Loan in Marin County?
A jumbo loan is any mortgage above the conforming loan limit. In Marin County for 2026, that limit is $1,209,750 for a single-family home. Any purchase price requiring a loan above that amount — which is most of Marin — requires jumbo financing.
| Loan Type | Loan Amount | Notes |
|---|---|---|
| Conforming | Up to $766,550 | Standard Fannie/Freddie guidelines |
| High-Balance Conforming | $766,551 – $1,209,750 | Available in high-cost counties like Marin |
| Jumbo | Above $1,209,750 | Portfolio lenders, stricter guidelines, often competitive rates |
| Super Jumbo | Above $3,000,000 | Specialty underwriting, DiVita goes to $10M+ |
2026 Jumbo Loan Rates — Marin County
Jumbo rates in Marin are highly competitive right now. Portfolio lenders targeting Bay Area high-net-worth borrowers are aggressively pricing jumbo loans — in many cases matching or beating conventional 30-year fixed rates for well-qualified buyers.
| Loan Program | Rate Range (Aug 2026) | Best For |
|---|---|---|
| 30-yr Jumbo Fixed | 6.50% – 7.25% | Long-term stability |
| 15-yr Jumbo Fixed | 6.00% – 6.75% | Accelerated payoff, lower rate |
| 5/1 ARM Jumbo | 5.75% – 6.50% | Buyers planning to sell/refi in 5-7 yrs |
| 7/1 ARM Jumbo | 6.00% – 6.75% | Balance of fixed period and rate savings |
| 10-yr IO Jumbo | 6.75% – 7.50% | Cash-flow focused, maximizing purchasing power |
| 40-yr IO Jumbo | 7.00% – 7.75% | Lowest payment option |
Jumbo Loan Requirements in Marin County
| Requirement | Standard Jumbo | 10% Down Jumbo |
|---|---|---|
| Min credit score | 700 | 720+ |
| Min down payment | 10–20% | 10% (with strong credit + reserves) |
| Reserves | 6–12 months PITI | 12–18 months PITI |
| DTI | 43% max | 38–40% max |
| Max loan amount | $3M standard | DiVita goes to $10M+ |
| Property types | SFR, condo, PUD | SFR preferred |
Jumbo Loan Prices by Marin City — 2026
| City | Median Sale Price | Typical Loan Needed | Loan Type |
|---|---|---|---|
| Belvedere | $4,200,000 | $3,360,000 | Super Jumbo |
| Ross | $3,800,000 | $3,040,000 | Super Jumbo |
| Kentfield | $2,900,000 | $2,320,000 | Jumbo |
| Tiburon | $2,500,000 | $2,000,000 | Jumbo |
| Mill Valley | $2,100,000 | $1,680,000 | Jumbo |
| Sausalito | $1,800,000 | $1,440,000 | Jumbo |
| Larkspur | $1,700,000 | $1,360,000 | Jumbo |
| Corte Madera | $1,600,000 | $1,280,000 | Jumbo |
| San Anselmo | $1,450,000 | $1,160,000 | High-Balance |
| San Rafael | $1,200,000 | $960,000 | High-Balance |
| Novato | $950,000 | $760,000 | Conforming |
Why DiVita for Marin County Jumbo Loans
- Local expertise — we know Marin pricing, school districts, HOA nuances, and fire zone overlays that affect financing
- Access to portfolio lenders — we work with 30+ lenders competing for Marin jumbo business, not just one bank’s rate sheet
- 10% down jumbo programs — most Marin buyers don’t want to lock up 20–25% in a $2M+ home; we have programs starting at 10% down with no PMI
- Fast pre-underwriting — in Marin’s 13-day market, “pre-qualified” isn’t enough; we fully pre-underwrite your file so sellers take your offer seriously
- Self-employed specialists — Marin is full of entrepreneurs, partners, and executives with complex income; we have bank statement loans, P&L programs, and asset depletion options
📞 Call (800) 239-1103 for a same-day jumbo loan rate quote and pre-underwriting for your Marin County purchase. We close in 15–21 days. NMLS #323700 | Michael DiVita NMLS #241655.
Your Marin County Mortgage Specialist — Michael DiVita
I’ve lived in Tiburon for nearly two decades. Marin County isn’t just where I work — it’s where I raised my family, where my kids go to school, and where I watch the real estate market move in real time from my own neighborhood.
After 20+ years in California mortgage lending, I’ve closed hundreds of transactions across every city in Marin — from first-time buyers in Novato to multi-million-dollar estate purchases in Belvedere. I know which lenders move fastest, which loan types fit Marin’s jumbo-heavy market, and how to structure deals that competing brokers can’t close.
When you work with me, you’re not getting a call center or an algorithm. You’re getting a local expert who answers his own phone.
📞 (800) 239-1103 | 📧 michael@divitahome.com
→ Learn more about Michael DiVita, Tiburon resident & Marin mortgage expert
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
