Jumbo

For loan amounts above the conforming limit, which is $832,750 in most counties for 2026.

What changes above the limit

Larger down payments, often 10% to 20%
Higher credit score expectations
Several months of payments in reserve after closing
Sometimes a second appraisal

Self-employed jumbo borrowers

Jumbo underwriting reads business returns closely. We prepare the income analysis first, so the loan amount you shop for is the one that will actually be approved.

Reviewed by Mustafa Temiz, CPA, NMLS #2450795 · Updated November 2026

Talk to someone who reads tax returns for a living

A short pre-application takes about five minutes. We call you back, look at your numbers and tell you plainly which loan programs fit.

Apply now or call (949) 624-4500