Jumbo Loans
Answers to the questions I hear most from buyers, homeowners, and investors.
Program Highlights
✓ Loan amounts above $806,500
✓ Up to $3M+ with select lenders
✓ Fixed and ARM options
✓ Primary, second home, investment
✓ Interest-only options available
✓ Asset-based qualifying available
✓ Up to $3M+ with select lenders
✓ Fixed and ARM options
✓ Primary, second home, investment
✓ Interest-only options available
✓ Asset-based qualifying available
Requirements
✓ 700+ credit score (most lenders)
✓ 10-20% down payment
✓ 6-12 months reserves
✓ Full income documentation
✓ DTI typically under 43%
✓ Two appraisals may be required
✓ 10-20% down payment
✓ 6-12 months reserves
✓ Full income documentation
✓ DTI typically under 43%
✓ Two appraisals may be required
Why Use a Broker for Jumbo Loans
Jumbo loans vary dramatically between lenders — far more than conforming loans. One lender might offer 10% down with no MI while another requires 20%. Some allow asset depletion qualifying, others don't. Rate spreads on jumbos can be 0.5% or more between lenders on the same day. This is exactly where a broker with 175+ lender relationships delivers the most value. I shop jumbo pricing across my entire network and consistently find options that big banks don't offer their own customers. If your purchase price is above the conforming limit, talk to me before you lock anywhere.
Get a Jumbo Loan Quote
Brainy Vu · NMLS 2658103 · (949) 771-1575
Still Have Questions?
I'm always happy to chat — no pressure, no obligation.