Jumbo Loans.

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Program overview

The Lowdown on Jumbo Loans…

Our Jumbo Loan rates are competitive and our process is quick and painless. A jumbo loan is a loan that exceeds the conforming loan limits set annually by the Federal Housing Finance Agency. For 2026, the baseline conforming limit is $806,500 for most of the country, with higher ceilings in designated high-cost areas (like much of California). Loans above those limits are considered jumbo. Rates tend to be slightly higher on jumbo loans because they aren't backed by Fannie Mae or Freddie Mac — but for the right borrower, the gap is often smaller than you'd expect.

Why Jumbo?

Why a Jumbo Loan?

There are many benefits, including: financing available up to $2.5 million; the convenience of one loan for the entire loan amount instead of having multiple mortgages; competitive pricing… and more.

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Loan features

Jumbo programs we offer.

Fixed Rates

Adjustable Rate (ARM)

Reduced Lender Fees

Jumbo & Super Jumbo

Terms from 5 to 30 Years

Why a jumbo loan?

When a jumbo loan makes sense.

A jumbo loan is a loan that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. Especially common in California and Hawaii.

Financing available up to

$2.5M

One loan covers the entire amount — no need for a piggyback second mortgage on top of a conforming first.

Rate structure

Competitive

Pricing on jumbo loans is competitive, though typically priced slightly above conforming because lenders carry more risk.

Conforming limit (most US)

$806,500

Higher in AK, HI, Guam, and US Virgin Islands. Some California counties have a higher "high-balance" limit before jumbo kicks in.

In jumbo territory we typically see stronger documentation requirements — solid income, healthy reserves, and good credit. We'll walk you through the specifics for your scenario.

FAQ

Common questions answered.

What is the conforming loan limit?

The conforming limit varies by county and loan type. For most California properties in 2026, it's around $1.15M. Anything above that is considered jumbo.

Why are jumbo rates usually higher?

Larger loan amounts carry more risk for the lender, so rates are slightly higher than conforming. However, because Crestline holds jumbos in-house, we don't add a portfolio sale premium.

How fast can you close a jumbo?

Since we don't sell jumbos to secondary markets, we close on the contract date, not on a portfolio buyer's schedule. Typical timelines: 30–45 days depending on appraisal and document turn time.

What down payment do I need?

Typically 10–20% depending on the loan amount, credit score, and property type. Stronger borrowers with excellent credit may qualify for 10% down. Call us with your profile.

Can I get a jumbo ARM or non-standard term?

Yes. We offer 30-year fixed, 15-year fixed, and ARM options on jumbo loans. Custom terms may also be available depending on your situation.

Do you do VA jumbo loans?

Yes. VA jumbo loans are available for eligible veterans. Loan amounts can exceed the standard VA limit thanks to our in-house underwriting and funding capacity.

Conforming option