Jumbo Loans in California

We help California homebuyers secure financing for high-value homes that exceed conventional loan limits. With a Jumbo Loan, you can buy luxury or high-priced properties with competitive interest rates, flexible terms, and personalized lending solutions tailored to your financial goals.

About

What Is a Jumbo Loan?

A Jumbo Loan is a mortgage designed for properties that exceed the standard conforming loan limits set by Fannie Mae and Freddie Mac. In California, where home prices are higher than the national average, jumbo loans allow qualified buyers to finance homes above the conforming loan limit. For 2026 that limit is $832,750 in most counties and $941,850 in Santa Barbara County, rising to $1,249,125 in California’s highest-cost counties. Because these loans are not government-backed, they require strong credit, stable income, and larger down payments, but they also offer flexibility and competitive rates for well-qualified borrowers.

Eligibility Criteria

Who Is Eligible for a Jumbo Loan in California?

You may qualify for a Jumbo home loan if you meet the following criteria:

Loan Amount: The total loan exceeds the local conforming limit ($832,750 in most counties for 2026; $941,850 in Santa Barbara County).
Credit Score: Minimum 700 or higher preferred.
Down Payment: Larger than a conforming loan typically requires; the amount depends on loan size, property type and your overall profile.
Debt-to-Income Ratio (DTI): Generally below 43%.
Income & Assets: Proof of consistent income and strong financial reserves.
Property Type: Can be used for primary homes, vacation homes, or investment properties.

Benefits

Benefits of a Jumbo Loan

Types

Types of Jumbo Loans We Offer

Fixed-Rate Jumbo Loan

Best For: Long-term homeowners
Highlights: Stable payments with 15–30 year terms

Adjustable-Rate Jumbo Loan (ARM)

Best For: Short-term buyers
Highlights: Lower initial rate for 5–10 years

Jumbo Refinance Loan

Best For: Existing homeowners
Highlights: Lower your rate or cash out home equity

Interest-Only Jumbo Loan

Best For: High-income buyers
Highlights: Pay interest only for a set period to manage cash flow

Comparison

Jumbo Loan vs Conventional Loan

Jumbo Loan

Loan Limit: Above the conforming limit ($832,750 in most counties; $941,850 in Santa Barbara County for 2026)
Down Payment: Typically larger; varies by loan amount and profile
Credit Score: 700+
PMI Required: No
Property Type: Primary, secondary, or investment
Interest Rates: Competitive
Documentation: More detailed

Conventional Loan

Loan Limit: Up to $832,750 in most counties; $941,850 in Santa Barbara County; up to $1,249,125 in the highest-cost counties (2026)
Down Payment: Lower minimums available, depending on program
Credit Score: 620+
PMI Required: Yes, with a smaller down payment
Property Type: Any
Interest Rates: Competitive
Documentation: Standard

FAQs

Frequently
Asked Questions

Still have a question?

JLLendingTeam: A collaborative group specializing in providing tailored lending solutions and financial support for clients.

What’s the current jumbo loan limit in California?

It varies by county and is reset each year. For 2026, the conforming limit is $832,750 in most counties, $941,850 in Santa Barbara County, and up to $1,249,125 in California’s highest-cost counties. Any loan above your county’s limit is a jumbo loan.

Can I use a jumbo loan for a second home?

Yes! Jumbo loans can be used for vacation or investment properties, not just primary residences.

Do jumbo loans have higher interest rates?

Not necessarily. With strong credit and income, rates can be similar to conventional loans.

Can I refinance my jumbo loan later?

Yes, you can refinance to lower your rate or change your loan type anytime.

Still have a question?

JLLendingTeam: A collaborative group specializing in providing tailored lending solutions and financial support for clients.

JL Lending Team

Why Choose Us for Jumbo Loans?

Local Experts

Serving California’s veterans with deep knowledge of the state’s housing market.

Fast, Tech-Enabled Process

Apply, upload documents, and track your loan online.

Personalized Guidance

We’re not tied to one lender — we find the best loan for you.

Ready to Get Started with Your Jumbo Loan?

Buying a high-value home in California doesn’t have to be complicated. Let JL Lending Team help you secure the financing you need with competitive jumbo loan options and expert guidance every step of the way.

Start today and get pre-approved for your California jumbo loan.

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arman rashidi

3 months ago

If you need a mortgage and want to stay competitive in the incredibly tight Santa Barbara/Goleta housing market, look no further than Justin. He is exceptionally responsive, organized, and thorough when putting together your loan application. More importantly, when underwriting comes back with questions—as they did in our case, since one of us owns a home business and the other had recently transitioned from academia to industry with a significant increase in income, Justin knew exactly how to present our situation. He guided us through gathering the strongest possible documentation, which kept the underwriting process moving smoothly. As first-time home buyers, we found a house that had just come on the market and needed to submit a highly competitive offer. Justin confidently told us he could complete the loan in 10 days so we could remove our loan contingency quickly and make our offer almost as competitive as a cash offer. He actually exceeded that promise by securing our loan in just 7 days, and we closed in less than 20 days from the day our offer was accepted. The Santa Barbara/Goleta market is not an easy place for first-time buyers who need financing. Having the right mortgage advisor can make all the difference, and Justin absolutely did for us. We couldn't recommend him more highly.

Harvey Becker

9 months ago

Justin was absolutely outstanding from start to finish just like he was with our last home purchase over 3 years ago. Justin clearly had a genuine interest in helping us succeed in getting the best refi loan possible on our Goleta condo so that we could fund our new manufactured home purchase in Santa Barbara! Justin worked tirelessly, stayed on top of every detail, and guided us through what could have been a very stressful process with patience, clarity, and total professionalism. It wasn't easy having to work on this over the Christmas holidays, but Justin plowed right through regardless. It was doubly difficult because he was working on our condo refi loan while we were trying to close on our purchased manufactured home. So the timing was important as we needed the funds from Justin to close escrow on time for our new SB home. Justin was always responsive, proactive, and transparent. Whenever an issue or question came up, he addressed it immediately and made sure we fully understood our options. Thanks to his persistence and expertise, we were able to secure our mortgage and close successfully—something that would not have happened without his dedication. If you’re looking for a loan officer who works incredibly hard, communicates clearly, and has your best interests at heart, I cannot recommend Justin highly enough. He was a pleasure to work with, and we are deeply grateful for everything he did for us.

Jason Aversano

2 years ago

Justin is the most amazing, responsive, and positive guy to work with! Honestly, the best mortgage broker we have ever worked with. Highly recommend him for your needs.

Jessica Draper

3 years ago

Justin has helped us purchase multiple properties throughout the years. He does such a wonderful job simplifying and explaining all the details in a way that makes sense. Every loan process through him has been very easy. Great guy!

Rosanna

I’ve been home searching for over a year and encountered various lenders. It was a night and day experience with Justin. He took time to review numbers, was transparent, responsive and sharp. He helped us navigate various scenarios, thoughtful in his approach and got us the best rate. Would definitely work with him in the future.

andrew wedel

Justin is fantastic at what he does. Justin is professional and will walk you through the entire process of purchasing a home I have recommended him to others and continue to work with him.

David Downey

Justin is highly skilled and knowledgeable about not only the lending business, but about the housing market in general. He helped us secure an incredible rate, just before things went haywire a few years ago. He has continued to be a go to resource for all things evolving in the market place. His passion for helping you find the right time to strike on a loan and get you the best rate, is truly refreshing, in an industry that can feel like it's filled with sharks sometimes. Justin will fight for the best rate and provide you the most up to date advice on what's trending in the market. Don't hesitate, give Justing a call, now.

Edgardo Ramirez

There are many mortgage advisors out there, but none compare to Justin. His comprehensive knowledge in home financing and investment in real estate is simply unparalleled. Whether you're a first-time home buyer, exploring lending options, or an experienced investor, Justin is the go-to professional in this field.

G M

Justin Leach is the most competent and professional mortgage advisor I've ever worked with. He made the entire process stress-free, answered all my questions and kept me informed every step of the way. Thanks to Justin, I'm now living in my dream home! Highly recommend him!

jorge morales

Very knowledgeable and pays close attention to detail.

Austin Swank

Justin was super easy to work with. He made purchasing our first home easy!

Tracy Richardson

I've been working with Justin for years, and truly he is the best! He has closed many loans for us personally along with many transactions for our clients. Justin always figures out a way to overcome any issue, glitch or difficult loan process. He works hard to get your loan completed in a timely fashion. I have never come across a loan broker that has communicated better than Justin. He explains the process and options and he makes the whole experience go smoothly. His attention to detail is unparalleled. He is available day or night, any day or the week. Once you call Justin you won’t call anyone else! You will agree with my recommendation that Justin is experienced, knowledgeable, thorough, reliable and simply a good human.

Kendrick Guehr

Justin is an excellent lender and one you can trust. What I like most about working with Justin is that he is smart, creative, responsive, honest, knows how to set proper expectations for clients and does his best to make the grueling mortgage process fun! If Justin says he can get a loan done, he will. As a realtor myself, I have worked with many lenders and Justin is one of the best. Not only is he extremely good at his job, but he is an overall great guy and friend.

Chris Dawood

4 years ago

I can’t recommend Justin enough. He and his teamexceeded all my expectations. Justin's exceptional communication skills and expertise in the mortgage process made the entire experience stress-free. He went above and beyond to find the best loan for me, and his dedication and attention to detail were outstanding. I highly recommend Justin as a top choice for anyone in need of a mortgage loan officer.

Bryan Kerner

Justin Leach is an outstanding mortgage loan officer who I highly recommend. His communication, expertise, and dedication to finding the best loan options make him a top choice for anyone looking for mortgage services. Justin's personalized approach and attention to detail made the entire process easier and less stressful. Overall, I would not hesitate to work with Justin again and highly recommend him for your mortgage needs.

Jumbo Loans in California

What Is a Jumbo Loan?

Who Is Eligible for a Jumbo Loan in California?

Benefits of a Jumbo Loan

Higher Loan Limits

Flexible Property Options

Competitive Interest Rates

Custom Loan Terms

No Private Mortgage Insurance (PMI)

Refinancing Options