When do I need a jumbo loan in Southern California?

For 2026, loans above $1,209,750 in Los Angeles, Orange, San Diego, and Ventura counties (the high-cost counties) are jumbo. In San Bernardino, Riverside, and most other SoCal counties the threshold is the baseline $806,500.

How much down payment on a jumbo?

10% down is achievable on prime jumbo with strong credit (700+ FICO). More typical is 20%. Super-jumbo loans ($3M+) usually require 20–30% down plus significant reserves.

Are jumbo rates higher than conventional?

Sometimes — but not always. Because jumbos are held on banks' balance sheets (rather than sold to agencies), pricing depends on the specific lender's portfolio needs. In some rate environments jumbo prices better than conforming.

Conventional & Government

Jumbo

Prime Jumbo

Name: Francisco Williams — Mortgage Broker
Address: 552 E Badillo St, Covina, CA, 91723, US
Telephone: (213) 880-8107
Price range: $$

Full-doc jumbo financing above conforming limits, typically with best pricing for strong borrowers.

Available throughout Southern California through Francisco Williams, CCIM, NMLS #1858674.

Apply for this program (213) 880-8107

700

Min FICO

90%

Max LTV

43%

Max DTI

full doc

Docs

Ideal borrower

High-income, strong-credit buyers above conforming loan limits.

Program highlights

Loan amounts $806,500 – $3,000,000+ (baseline)
Down payments as low as 10%
Portfolio-held by banks — lender overlays vary

Typical uses

Luxury home purchase
Jumbo refinance

Frequently asked questions

When do I need a jumbo loan in Southern California?: For 2026, loans above $1,209,750 in Los Angeles, Orange, San Diego, and Ventura counties (the high-cost counties) are jumbo. In San Bernardino, Riverside, and most other SoCal counties the threshold is the baseline $806,500.
How much down payment on a jumbo?: 10% down is achievable on prime jumbo with strong credit (700+ FICO). More typical is 20%. Super-jumbo loans ($3M+) usually require 20–30% down plus significant reserves.
Are jumbo rates higher than conventional?: Sometimes — but not always. Because jumbos are held on banks' balance sheets (rather than sold to agencies), pricing depends on the specific lender's portfolio needs. In some rate environments jumbo prices better than conforming.

Program details shown are representative guidelines and subject to individual lender overlays and CFPB / agency requirements. Rates shown are illustrative and subject to change without notice. Actual rate, APR, and terms will depend on creditworthiness, loan-to-value, property type, occupancy, loan amount, loan program, and other factors. Not all applicants will qualify.