We are Jumbo Loan Experts & Our Process is Quick & Painless
As a True Direct Mortgage Lender we are able to make our own lending decisions and set our own loan guidelines, this means we can lend larger loan amounts than most banks and lenders. We offer loan amounts up to $20M and can go even higher on an exception case-by-case basis.
A Jumbo or Super Jumbo Home Loan (also known as a Non-Conforming Loan) is a loan that exceeds the conforming loan limits as set by Fannie Mae and Freddie Mac.
When Federal housing officials announced the 2022 conforming loan limits, as expected, the limits were increased (substantially) due to significant home-price gains over the past year.
These Federal Housing Finance Agency loan limits are based on the State and County where your property is located. You'll notice that for most counties, the conforming loan limit is $647,200 but in Higher-priced areas like Los Angeles County, Orange County, San Mateo County, Santa Clara County, San Francisco limits go up to $970,800 for a single-family home due to higher home values. Other counties fall somewhere in between these "floor" and "ceiling" amounts. Ask our mortgage experts for more information about loan limits in your county.
For most mortgage lenders, the Rates & Fee's charged tend to be a bit higher on jumbo loans because lenders generally have a higher risk. But with our Bank this is not the case, we offer some of the lowest rates in the country on Jumbo, Super Jumbo, and Non-Conforming home loans. Often our Jumbo Rates are even better than conforming or conventional rates, especially if you have good credit.
We're here to make the jumbo home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE Jumbo Loan Qualifier.
We'll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you're a first-time home buyer or a seasoned investor.
The Jumbo Loan Process
Here’s how our home loan process works:
- Complete our simple Jumbo Loan Qualifier
- Receive options based on your unique criteria and scenario
- Compare mortgage interest rates and terms
- Choose the offer that best fits your needs