What is the Jumbo Loan？
Jumbo Loan: Loan amount exceeds the limits for a conventional conforming loan.
Jumbo Loan Highlights
Prime Full Doc Jumbo (Prime 30 Yrs Fixed/Prime 10/6 ARM)
Max. LTV 80%
Max. Loan Amount $3M
Max. LTV 80%
Max. Loan Amount $3M
★Prime 10/6 ARM (30-day Average SOFR/2.75Margin; 5/1/5 Cap, Qualifying Rate is the Higher of Note Rate or Fully IndexRate. Floorrate=margin)
★U.S. Citizens
★Permanent Resident borrowers
★Non-Permanent Resident
★All U.S. citizens, permanent resident global clients, and non-permanent global clients must have a social security number inordertobeeligible.
Expanded Full Doc Jumbo (Expanded 30 Yrs Fixed/Expanded 15 Yrs Fixed)
Max. LTV 80%
Max. Loan Amount $3M
★DTI up to 50.00%
★No adjustment for Condo / 2-Unit
★Maximum number of borrowers is four
★U.S. Citizens
★Foreign Nationals are not eligible
Expanded Full Doc Jumbo (Expanded 30 Yrs Fixed/Expanded 15 Yrs Fixed)
Max. LTV 80%
Max. Loan Amount $3M
★DTI up to 50.00%
★No adjustment for Condo / 2-Unit
★Maximum number of borrowers is four
★U.S. Citizens
★Foreign Nationals are not eligible
In 2024, the FHFA improves the loan limits for all kinds of loan types, especially Jumbo Loans. Please refer to below 2024 loan limits in California.
2024 Loan Limits in California Counties
COUNTY
1-Unit Limit
2-Unit Limit
3-Unit Limit
4-Unit Limit
ALAMEDA
$1,149,825
$1,472,250
$1,779,525
$2,211,600
ALPINE
$766,550
$1,474,400
AMADOR
$766,550
$981,500
$1,186,350
$1,474,400
BUTTE
$766,550
$981,500
$1,186,350
$1,474,400
CALAVERAS
$766,550
$981,500
$1,186,350
$1,474,400
COLUSA
$766,550
$981,500
$1,186,350
$1,474,400
CONTRA COSTA
$1,149,825
$1,472,250
$1,186,350
$2,211,600
DEL NORTE
$766,550
$981,500
$1,186,350
$1,474,400
EL DORADO
$766,550
$981,500
$1,186,350
$1,474,400
FRESNO
$766,550
$981,500
$1,186,350
$1,474,400
GLENN
$766,550
$981,500
$1,186,350
$1,474,400
HUMBOLDT
$766,550
$981,500
$1,186,350
$1,474,400
IMPERIAL
$766,550
$981,500
$1,186,350
$1,474,400
INYO
$766,550
$981,500
$1,186,350
$1,474,400
KERN
$766,550
$981,500
$1,186,350
$1,474,400
KINGS
$766,550
$981,500
$1,186,350
$1,474,400
LAKE
$766,550
$981,500
$1,186,350
$1,474,400
LASSEN
$766,550
$981,500
$1,186,350
$1,474,400
LOS ANGELES
$1,149,825
$1,472,250
$1,779,525
$2,211,600
MADERA
$766,550
$981,500
$1,186,350
$1,474,400
MARIN
$1,149,825
$1,472,250
$1,779,525
$2,211,600
MARIPOSA
$766,550
$981,500
$1,186,350
$1,474,400
MENDOCINO
$766,550
$981,500
$1,186,350
$1,474,400
MERCED
$766,550
$981,500
$1,186,350
$1,474,400
MODOC
$766,550
$981,500
$1,186,350
$1,474,400
MONO
$766,550
$981,500
$1,186,350
$1,474,400
MONTEREY
$920,000
$1,177,750
$1,769,250
NAPA
$1,017,750
$1,302,900
$1,574,900
$1,957,250
NEVADA
$766,550
$981,500
$1,186,350
$1,474,400
ORANGE
$1,149,825
$1,472,250
$1,779,525
$2,211,600
PLACER
$766,550
$981,500
$1,186,350
$1,474,400
PLUMAS
$766,550
$981,500
$1,186,350
$1,474,400
RIVERSIDE
$766,550
$981,500
$1,186,350
$1,474,400
SACRAMENTO
$766,550
$981,500
$1,186,350
$1,474,400
SAN BENITO
$1,149,825
$1,472,250
$1,779,525c
$2,211,600
SAN BERNARDINO
$766,550
$981,500
$1,186,350
$1,474,400
SAN DIEGO
$1,006,250
$1,935,150
SAN FRANCISCO
$1,149,825
$1,472,250
$1,779,525
$1,867,275
SAN JOAQUIN
$766,550
$981,500
$1,186,350
$1,474,400
SAN LUIS OBISPO
$929,200
$1,189,550
$1,786,950
SAN MATEO
$1,149,825
$1,394,775
$1,779,525
$2,211,600
SANTA BARBARA
$838,350
$1,073,250
$1,612,250
SANTA CLARA
$1,149,825
$1,779,525
$2,211,600
SANTA CRUZ
$1,149,825
$1,472,250
$2,211,600
SHASTA
$766,550
$981,500
$1,186,350
$1,474,400
SIERRA
$766,550
$981,500
$1,186,350
$1,474,400
$981,500
$1,186,350
$1,423,650
$1,288,200
$1,557,150
$1,437,900
$1,297,300
$1,472,250
$1,779,525
SISKIYOU
$766,550
$981,500
$1,186,350
$1,474,400
SOLANO
$766,550
$981,500
$1,186,350
$1,474,400
SONOMA
$877,450
$1,123,300
$1,357,800
$1,687,450
STANISLAUS
$766,550
$981,500
$1,186,350
$1,474,400
SUTTER
$766,550
$981,500
$1,186,350
$1,474,400
TEHAMA
$766,550
$981,500
$1,186,350
$1,474,400
TRINITY
$766,550
$981,500
$1,186,350
$1,474,400
TULARE
$766,550
$981,500
$1,186,350
$1,474,400
TUOLUMNE
$766,550
$981,500
$1,186,350
$1,474,400
VENTURA
$954,500
$1,221,950
$1,477,050
$1,835,600
YOLO
$766,550
$981,500
$1,186,350
$1,474,400
YUBA
$766,550
$981,500
$1,186,350
$1,474,400
