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Jumbo Loan Programs — California
Jumbo loans in California — what you need to know
In most of California, the median home price exceeds the conventional loan limit — which means a jumbo loan isn’t a luxury product, it’s often the only option. Lendia specializes in jumbo financing for primary residences, second homes, and investment properties across Southern California and beyond.
At a glance
| Feature | Details |
|---|---|
| Minimum loan amount | $832,751 (1-unit) — $1 above conforming limit |
| Maximum loan amount | Up to $3,500,000 depending on program |
| Minimum credit score | 660 on select programs; 700–720 most common |
| Minimum down payment | 10% on select programs; 20% most broadly available |
| Mortgage insurance | Not required — even above 80% LTV |
| Prepayment penalty | Not allowed on any program |
| Occupancy types | Primary residence, second home, investment property |
| Property types | SFR, PUD, condo, 2–4 units |
| Loan products | 15- and 30-year fixed; 7/6 and 10/6 ARM |
Jumbo loan guides — 20 questions answered
- What is a jumbo loan — and do you need one in California?
- Who qualifies for a jumbo loan? Credit, income & asset requirements explained
- How much down payment do you need for a jumbo loan?
- What credit score do you need for a jumbo loan?
- Jumbo loan vs. conventional loan — what’s the difference?
- Can you get a jumbo loan with 10% down?
- How to buy an investment property with a jumbo loan in California
- Can a self-employed borrower qualify for a jumbo loan?
- Do jumbo loans have prepayment penalties?
- What are the reserve requirements for a jumbo loan?
- Can you use a jumbo loan to buy a second home or vacation property?
- Fixed rate vs. ARM — which is better for a jumbo loan?
- Pros and cons of jumbo loans — is it the right loan for you?
- Can you do a cash-out refinance on a jumbo loan?
- Jumbo loan for a first-time homebuyer — is it possible?
- Can you refinance a jumbo loan? Rate & term refinance explained
- How to refinance a jumbo loan if your home was recently listed for sale
- What DTI ratio do you need for a jumbo loan?
- Can you use gift funds for a jumbo loan down payment?
- What property types qualify for a jumbo loan?
Serving California homebuyers and investors — Orange County, Los Angeles, San Diego, the Inland Empire, and communities throughout Southern California including Irvine, Huntington Beach, Anaheim, Fullerton, Garden Grove, and Santa Ana.