Jumbo.
For the coastal craftsman, the Point Loma view lot, the La Mesa hilltop — homes priced above the conforming loan limit. Jumbo underwriting digs deeper, so we package your file like an investor memo before any lender sees it.
- Down payment from
- 10%
- Credit score from
- 700
- Reserves
- 6–12 mo
- Sample 30-yr rate
- 6.500%
Who it tends to fit.
Move-up buyers with strong credit, documented income and six to twelve months of reserves after closing. Jumbo lenders verify everything twice — large deposits sourced, business income trended, every account explained — so organized paperwork is half the battle.
It also fits equity-rich buyers pairing a big down payment from a prior sale with a high-balance loan, and relocators whose out-of-state sale hasn't closed yet.
What's included.
- High-balance pricing shopped across portfolio, wholesale and private-bank lenders.
- Reserve and asset mapping — which accounts to show, which to leave quiet.
- Two-appraisal planning, since many jumbo programs require a second valuation.
- ARM-versus-fixed math at jumbo spreads, where a 5/6 ARM can save five figures a year.
- Bridge and recast strategy if your current home sells after you buy.
How a jumbo file runs.
Step 1
Underwrite yourself first
We stress-test income, reserves and credit with the strictest lender's rules before anyone else does.
Step 2
Dual-track the pricing
Fixed and ARM quotes from multiple jumbo desks, compared on five- and ten-year horizons — not just month one.
Step 3
Close in 25–30 days
Jumbo takes a little longer — second appraisals, deeper conditions. We set day 28 and beat it.
Worth knowing first.
Jumbo pricing varies more than any other program — the gap between the cheapest and priciest lender on the same file can exceed half a point. Banks often discount jumbo rates for wealth-management relationships, and we will tell you honestly when your own bank's offer is the one to take.
Expect full documentation: two years of returns, business returns if self-employed, and sourced large deposits. Start parking your down payment in one account two months before you shop — it makes the paper trail boring, which is exactly what underwriters want.