Jumbo loans are designed for high-value properties that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. If you’re purchasing a luxury home or property in a high-cost market like Southern California, a jumbo loan is likely what you’ll need.
Above $766,550 (2025 conforming limit for most areas; higher in high-cost counties)
680–720+ recommended; 740+ for best rates
Typically 10–20% depending on loan size and lender
Usually 6–12 months of PITIA in reserves
Full documentation required; alternatives available for qualified borrowers
Primary, second home, and investment properties
Because jumbo loans fall outside the limits for Fannie Mae and Freddie Mac programs, they are underwritten directly by the lender. This means underwriting standards can vary significantly from one lender to another — which is exactly why working with an experienced broker like Oso Creek Financial matters.
We have access to multiple jumbo lenders and can shop the best available rates and terms for your loan size and property type. For borrowers with complex income — executives, business owners, or high-net-worth individuals — we can also explore Non-QM jumbo options that allow for alternative income documentation.
We’ll shop jumbo rates across our lender network and find the most competitive option for your loan size. No commitment required to explore your options.
