Jumbo Loans
If you’re buying or refinancing a property that exceeds conforming loan limits, a Jumbo Loan might be your best path forward. At Home Loan Solutions, we offer streamlined jumbo financing for qualified borrowers across California — fast, flexible, and backed by expert support.
🔍 Quick Snapshot
💰 Loans above conventional limits (based on your county)
✅ As little as 10% down on qualifying properties
⏱️ Closings in 30 days or less in most cases
🔁 Ideal for luxury purchases, second homes, or large refinance transactions
🏠 What Is a Jumbo Loan?
A Jumbo Loan is designed for buyers who need financing beyond the limits set by Fannie Mae or Freddie Mac. These loans are common in high-cost areas like California, especially for buyers in markets like Orange County, Los Angeles, or the Bay Area.
Jumbo loans are perfect if:
- You’re buying a primary residence, second home, or investment property
- You need financing above conforming limits ($766,550+ in most California counties in 2024)
- You want flexible underwriting with personalized service
📋 Qualification Requirements
Our jumbo loan process is efficient and personalized. Here’s what most borrowers need:
- 🧾 10–20% down payment (based on the loan amount and borrower profile)
- 📄 2 years of income and employment documentation
- 🧮 Debt-to-income (DTI) ratio under 45% (up to 50% in select cases)
- 💳 FICO score of 700+ is preferred — but we assess the whole picture
💡 Myth: Jumbo loans always have higher rates.
✅ Truth: Rates can be very competitive — sometimes close to conforming loan rates.
📊 Is a Jumbo Loan Right for You?
Consider a jumbo loan if:
- You’re buying in a high-priced area and need more financing than conforming limits allow
- You have a strong financial profile but want custom options
- You want to close quickly and work with a lender that understands high-value transactions
