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Luxury Los Angeles home with pool
Jumbo Loans

Big home.
Big loan.
Competitive rate.

Jumbo loans for Los Angeles properties above conforming limits. Fixed and ARM options with strong pricing.

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Understanding Jumbo

What is a jumbo loan?

A jumbo loan exceeds the conforming loan limits set by the FHFA. In LA County, that means loan amounts above the high-balance conforming limit of $1,249,125. Jumbo loans are essential for the Los Angeles luxury market.

Program Details

Jumbo loan highlights

Traditional Jumbo
Full Documentation
Standard jumbo loans with the most competitive rates for W-2 and full-doc borrowers.
  • Loan amounts above $1.2M
  • Fixed and ARM (7/1, 10/1) options
  • Strong credit and reserves required
  • Primary and second home
  • No MI at 20%+ down
Non-QM Jumbo
Alternative Doc Jumbo
Jumbo loan amounts with bank statement, DSCR, or asset depletion qualification.
  • Bank statement qualifying
  • DSCR for investment properties
  • Asset depletion available
  • Up to $3M+ loan amounts
  • Self-employed friendly
Los Angeles Market

Jumbo is the standard
in Los Angeles

With a median home price well above national averages, most LA buyers in desirable neighborhoods need jumbo financing. The right jumbo program with competitive ARM rates can outperform conforming pricing.

Move-Up Buyers
Upgrading to a larger home in a premium LA neighborhood. Jumbo gets you there.
Luxury Properties
High-end homes in Beverly Hills, Brentwood, Pacific Palisades, and the Westside.
High Earners
Professionals and executives with strong income and credit looking for the best jumbo terms.
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