Home Buying → Jumbo Loans
Finance Your Dream Home
Financing for luxury properties that exceed conforming loan limits. Get the home of your dreams with competitive rates and exceptional service.
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What Is A Jumbo Loan?
Jumbo loans are mortgages that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. In Orange County, that's typically $1,149,825 for 2024. If you're buying a home above this limit, you'll need a jumbo loan.
While jumbo loans used to have significantly higher rates, today's market offers competitive rates that are often comparable to conventional loans. They're perfect for luxury properties, high-value homes, and buyers who want to finance their dream property.
Jumbo loans require stronger financial profiles—higher credit scores, larger down payments, and more cash reserves. But if you qualify, you can finance the home you've always wanted with terms that work for you.
Why Choose A Jumbo Loan?
Higher Loan Limits
Finance properties above conforming limits. Perfect for luxury homes in Orange County's premium markets.
Competitive Rates
Rates comparable to conventional loans. Today's jumbo loan rates are more competitive than ever.
Flexible Terms
Fixed and adjustable rate options. Choose the term and rate structure that fits your financial goals.
Luxury Properties
Finance your dream home. Jumbo loans unlock access to premium real estate in Orange County's best neighborhoods.
Requirements & What To Expect
Credit Requirements
- Credit score typically 700+ (720+ for best rates)
- Down payment typically 10-20%
- Lower debt-to-income ratio requirements
- Cash reserves (6-12 months of payments)
The Process
- Pre-approval with detailed financial review
- Property appraisal (often more detailed)
- Underwriting review (typically 2-4 weeks)
- Average closing time: 30-45 days
We Specialize In Luxury Financing
Jumbo loans require expertise and attention to detail. We've helped hundreds of clients finance their dream homes in Orange County's premium markets.
Ready To Finance Your Dream Home?
Let's discuss your jumbo loan options. We'll review your financial profile, explain all your options, and help you secure the best rate for your luxury property.