Jumbo Loans
Jumbo loans for Orange County homes priced above the conforming limit.
What Is a Jumbo Loan?
A jumbo loan is a mortgage larger than the conforming loan limit set each year by the Federal Housing Finance Agency. For 2026 the baseline limit is $832,750, and in high-cost counties such as Orange County it rises to $1,249,125. Any loan above the limit for your county is a jumbo loan.
Because jumbo loans are not purchased by Fannie Mae or Freddie Mac, lenders set their own guidelines. That means qualification is handled case by case, and the right lender matters more than it does on a conforming loan.
Benefits
Benefits of Jumbo Loans
Higher Loan Amounts
Borrow beyond the $1,249,125 Orange County conforming limit for 2026.
Competitive Jumbo Pricing
Jumbo pricing is often closer to conforming than borrowers expect.
Primary, Second & Investment
Finance a primary residence, second home or investment property.
Fixed & Adjustable Options
Choose fixed-rate stability or an ARM if you plan to move or refinance.
Self-Employed Programs
Bank statement and alternative income jumbo options for business owners.
Local Market Knowledge
We write jumbo loans in Irvine and across Orange County every month.
Who Jumbo Loans Are Right For
In much of Orange County the median home price already sits above the conforming limit, which makes a jumbo loan the default rather than the exception.
- Buyers in Irvine, Newport Beach and coastal Orange County
- Move-up buyers purchasing above the conforming limit
- Self-employed borrowers with strong assets
- Second home and investment property buyers
- Homeowners refinancing a high-balance mortgage
We compare jumbo programs across multiple investors so the structure fits your down payment, reserves and income picture.
Jumbo Loan Requirements
Jumbo guidelines are set by each investor rather than by Fannie Mae or Freddie Mac, so requirements vary. These are the factors that matter most.
- Strong credit profile, typically 700 or higher
- Down payment usually starting around 10 to 20 percent
- Cash reserves after closing
- Documented income, full doc or bank statement options
- Full appraisal, sometimes two on larger loans
Requirements vary by loan amount, occupancy and how your income is documented. We will tell you where you stand before you apply.
Process
The Jumbo Loan Process
Our goal is to make the mortgage process smooth and straightforward.
Get Pre-Qualified
We review your goals, credit and income to show what you qualify for.
Step #1
Get Pre-Approved
After reviewing your documentation, we determine your potential loan amount.
Step #2
Find Your Home
You can confidently search for homes within your approved price range.
Step #3
Loan Processing
We complete verification steps including appraisal, documentation, and underwriting.
Step #4
Closing
Once approved, you sign the final documents and officially become a homeowner.