Jumbo Loans

Jumbo Loans Breakdown:

For homes that exceed the $1,006,250 conforming limit.

Down Payment Reality – 10–15% standard (5–10% for doctors/residents & select tech buyers).
Self-Employed Friendly – True bank-statement, asset-based, and cross-collateral options.
Zero PMI Forever – One clean loan, no monthly mortgage insurance.
Same Speed, Bigger Price Tag – 21–35 day closings, just like a $700k loan.
Rates That Compete – Typically 0.25–0.50% above conforming, shopped fresh daily.

Jumbo Loan FAQ's

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What exactly is a jumbo loan in San Diego right now?

Any mortgage over $1,006,250 (2025 county limit).

Are jumbo rates terrible?

They typically run 0.25–0.50% above conforming and we shop 20+ jumbo investors weekly to get you the lowest rate available that day.

Can self-employed buyers get approved for jumbo?

Yes — 12–24 month bank-statement programs, asset-depletion, or full-doc. I match you to the lender who loves your exact income type.

How long does a jumbo take to close in San Diego?

21–35 days

Ready for that dream home you’ve been waiting for?

Let’s go. I’ll connect you to the best jumbo lender for your scenario and have you fully approved with real numbers in 24–48 hours.

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