Big loans deserve better shopping
Above the conforming limit, lender pricing varies wildly. That variance is our specialty.
Jumbo lending is where broker shopping pays off most: every lender prices large loans differently, and the spread between the best and worst quote on the same file can be enormous. We put your file in front of the lenders who are hungry for it this month.
Appetite changes monthly, we track it
A lender aggressive on jumbo loans in March may be priced out by June. Because we quote across the network on every file, you get whoever is sharpest right now, not whoever advertised last year.
Sophisticated income, handled
RSU vesting schedules, bonus history, K 1 distributions, asset depletion, jumbo underwriting rewards a well built file. We present complex compensation the way underwriters want to read it.
Structure options
Sometimes the best answer is one jumbo loan; sometimes it is a first mortgage at the conforming limit plus a second. We model the structures and show you the total cost of each.
Built for
- Loan amounts above the conforming limit
- High value markets in California
- Buyers with complex compensation (RSUs, bonus, K 1)
- Second homes at higher price points
No credit pull for your initial consultation
Fair questions, straight answers
Any loan above the conforming limit for your county. Limits adjust annually and are higher in high cost California counties, we will confirm the current limit for your target area when we talk.
Programs exist with a range of down payment options, though 10 to 20% is typical. Larger down payments unlock better pricing tiers; we will show you where the breakpoints are.
Not necessarily, jumbo rates sometimes beat conforming rates depending on the market. This is exactly why shopping multiple lenders matters most at this loan size.
The best rate you will find is the one the market fights for.
Three minutes to start. No credit pull. No obligation. Real options from 175+ lenders.