Jumbo loan programs

Jumbo Loan Programs for Irvine & Orange County

Five focused jumbo and super jumbo programs from $1 million to $20 million. Clear options, one point of contact, homes anywhere in California.

$2.5M to $20M

Super Jumbo Loans

For buyers and owners of Irvine, Newport Coast and Orange County estates who need a loan far beyond what agency jumbo lenders allow.

  • Loan amounts up to $20 million
  • 5, 7 or 10-year fixed periods, then adjusts
  • Interest-only payment options available
  • Primary residence, second home or investment property
  • Full documentation or 12 months of bank statements
  • Cross-collateral and departing-residence options for buyers who own more than one home
Up to $3M

Fixed-Rate Jumbo Loans

For buyers who want a fixed rate that never changes, on loans above the Orange County conforming limit.

  • Loan amounts up to $3 million
  • Fixed rate for the life of the loan
  • Interest-only fixed option for primary residences and second homes
  • Purchase, rate-and-term refinance or cash-out refinance
  • Primary residence, second home or investment property
$1M to $20M

Buy Before You Sell (Bridge Loan)

For Irvine move-up buyers who found the next home before selling the current one. Common for buyers moving from Northwood or Woodbury into Orchard Hills and The Summit.

  • Short-term, interest-only bridge financing
  • Loan amounts from $1 million to $20 million
  • Lets you write a non-contingent offer and move once
  • Owner-occupied, second home or investment property
  • Pairs with a super jumbo or fixed jumbo loan on the new home
$1M and up

Self-Employed Jumbo Loans

For business owners, physicians, dentists, contractors and franchise owners whose tax returns show less income than the business really earns.

  • Qualify with 12 months of personal or business bank statements
  • Available on super jumbo loan amounts
  • Interest-only options available
  • Primary residence, second home or investment property
  • Full-documentation and asset-based options for higher net worth borrowers
  • Founders and executives with significant vested private-company (pre-IPO) equity may qualify using asset-based methods
$1M and up

Custom Build & Rebuild Loans

For homeowners building a custom home, replacing a teardown, or rebuilding after a fire in Southern California.

  • One closing for construction and the permanent loan
  • Construction periods of 12, 18, 24 or 36 months
  • Ground-up construction or major renovation
  • Primary residence, second home or investment property
  • Approved plans, permits and budget required at the start
  • Investor construction financing available for builders of high-end spec homes
Also available

Foreign National Jumbo Loans

Financing for non-U.S. residents buying a second home or investment property in Irvine and Orange County, with loan amounts from $500,000 up to $20 million. Ask us about documentation requirements.

See how competitive your jumbo rate can be

A Jumbo Scenario Review takes two minutes. No credit pull, no obligation. Nate calls you, usually within one business day.

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