What counts as 'super jumbo' in California?

Generally, loans above $3 million. The tier scales from $3M standard super-jumbo, $5M+ private-bank, and $10M+ relationship pricing at major banks. Each tier tightens underwriting standards significantly.

Do I need a private bank relationship for super jumbo?

Not always on standard super-jumbo ($3M–$5M). Many portfolio jumbo lenders fund to $5M without a deposit relationship. Above $5M, most banks require pledged-asset relationships or meaningful wealth management ties.

Conventional & Government

Jumbo

Super Jumbo ($3M+)

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

Portfolio jumbo for high-net-worth borrowers. Loan amounts $3M–$10M+.

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

Apply for this program (213) 880-8107

720

Min FICO

80%

Max LTV

full doc

Docs

Ideal borrower

HNW borrowers buying luxury homes.

Program highlights

Loan amounts to $10M+
Pledged-asset options
Interest-only available
Relationship pricing common

Typical uses

Ultra-luxury home purchase

Frequently asked questions

What counts as 'super jumbo' in California?: Generally, loans above $3 million. The tier scales from $3M standard super-jumbo, $5M+ private-bank, and $10M+ relationship pricing at major banks. Each tier tightens underwriting standards significantly.
Do I need a private bank relationship for super jumbo?: Not always on standard super-jumbo ($3M–$5M). Many portfolio jumbo lenders fund to $5M without a deposit relationship. Above $5M, most banks require pledged-asset relationships or meaningful wealth management ties.

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.