Jumbo Loans California — Resolution Equity
Jumbo Loans
High-balance financing for California's luxury and high-cost real estate markets — above conforming loan limits.
Key Benefits
- Loan amounts above conforming limits
- Competitive rates for strong borrowers
- Fixed and adjustable rate options
- Primary residence, second home, and investment
- Purchase and refinance available
- Flexible income documentation options
- Available for single-family and multi-unit homes
- Personalized underwriting review
About Jumbo Loans
Jumbo loans are mortgage loans that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. In California's competitive real estate market, jumbo financing is often necessary for purchasing higher-value homes. Resolution Equity offers jumbo loan solutions with competitive rates and flexible underwriting for qualified borrowers.
Loan Limits
Jumbo loans begin where conforming loan limits end. In California, conforming limits vary by county. For 2026, the baseline conforming limit is $806,500, with higher limits in high-cost counties. Loan amounts above these thresholds require jumbo financing.
Qualification Standards
Jumbo loans typically require stronger credit profiles, larger down payments (often 10–20%+), and more extensive income documentation. However, our team works with a range of jumbo programs to find the best fit for your situation.
Rate Options
Jumbo loans are available in 30-year and 15-year fixed terms, as well as 5/1, 7/1, and 10/1 ARM products. Borrowers who plan to sell or refinance within a few years may benefit from an ARM's lower initial rate.
Questions About Jumbo Loans?
Our licensed team in Temecula is ready to walk you through your options and get you pre-qualified fast.