Plan on 25% down
This Super Jumbo option begins with a 25% down payment. Your final structure will also reflect the property, loan amount, assets, income and overall borrower profile.
For exceptional California homes
Super Jumbo Loans for Exceptional California Homes
A Super Jumbo purchase deserves a deeply personal plan. Amy DeBusk helps you shape a clear mortgage strategy around the property, the payment and the life you want to enjoy there.
Super Jumbo loan guidelines
The Important Pieces of a Super Jumbo Loan
Super Jumbo financing is built for a home purchase that goes beyond the usual Jumbo range. The goal is still simple: understand the full financial picture early, so you can make decisions around a remarkable home with clarity.
Up to $6,000,000
Select Super Jumbo financing can reach a loan amount of $6,000,000, subject to current program guidelines, the property and full underwriting review.
Typically 720+
Plan on a 720 or higher credit score as a starting point. Strong payment history, limited revolving debt and the overall credit profile all matter.
Substantial reserves matter
Reserves are eligible funds left after your down payment and closing costs. Super Jumbo programs generally expect a meaningful cushion based on the property, loan amount, loan-to-value and your full financial picture.
Reviewed in context
Your monthly obligations are reviewed alongside stable income, assets, available equity and reserves. The right structure is built around the whole picture, not one number alone.
The home matters, too
Estate properties, acreage, distinctive finishes, views and custom details can all shape the appraisal and lending conversation. We will look at the home early, before you are too far into an offer.
Before you make an offer
Get the homeowners insurance quote early.
Before you make an offer, we will review the insurance side of the home and help you get a quote for the specific property. Together with taxes, HOA dues and the mortgage payment, it gives you a more useful view of the economics before you decide to move forward.
These are planning guidelines, not a loan offer or approval. Loan programs, maximums, pricing and underwriting guidelines can change; Amy will confirm the current option that fits your actual scenario.
For the home that calls for more room to plan
When Your Home Needs a Super Jumbo Plan
A Super Jumbo loan is about more than a higher price point. It can be the bridge to the home you have been working toward: more room for family, a view you have always wanted, a custom space to gather, or a place that simply feels like home.
My job is to help you bring the dream and the numbers together before you make an offer. We will look at the payment, cash to close, assets, income, the home itself and the room you want in your spending plan after closing.
A conversation built around your next chapter
Your Mortgage Plan Should Feel Personal.
Buying a higher-priced home deserves a plan that reflects the home you love, your finances and the life you want after closing. We will talk through your options together, answer your questions clearly and choose the next step that feels right for you.
Book your complimentary 30-minute consultation
What we will look at early
A Thoughtful Plan Before You Write an Offer
Your complete financial picture
Income, assets, down payment and reserves can all matter in a jumbo review. We will organize the documents and questions early, so there are fewer surprises later.
The home and the appraisal
Unique homes, acreage, guest spaces, views and custom finishes can make a property harder to compare. We will talk through the home’s details before you get too far ahead.
The payment that supports your life
It is about more than qualifying. We will consider principal and interest, property taxes, insurance, HOA costs when applicable, and the goals you want to keep funding after you move.
Explore related loan options
Mortgage Options for a Bigger Vision
The right path depends on the home, your timeline and what you are building next. These are three helpful places to continue the conversation.
For a larger financing need
Jumbo Home Loans
Explore the foundation of Jumbo financing for purchases above the conforming loan limit.
Explore Jumbo Home Loans
For a home built around you
Custom Construction Loans
Bring your build, land and permanent financing questions into one thoughtful plan.
Explore Construction Loans
For the home you have pictured
Dream Homebuyer Hub
See how a clear lending strategy can support the next chapter you have been working toward.
Visit the Dream Homebuyer HubA thoughtful place to begin
Book Your Complimentary 30-Minute Consultation
Bring your questions, your home ideas, and the details that matter most to you. In a relaxed phone conversation, we will talk through the financing possibilities and choose a clear next step for your California home purchase.
Explore the places you are considering
California Areas Where Super Jumbo Planning Often Comes Up
Every property and financing plan is different, but these are three places where higher-price home conversations frequently begin. Explore the local guide, then bring your home goals to Amy for a personalized mortgage plan.
Greater Sacramento
Granite Bay
Established homes, larger lots and lake-adjacent living can make a thoughtful financing plan especially important.
Explore Granite Bay home loans
California
Bay Area
From Silicon Valley to the Peninsula and beyond, a move here often starts with a clear strategy for a higher-priced home.
Explore Bay Area home loans
Coastal California living
Southern California
From coastal homes to established neighborhoods, a higher-priced purchase here benefits from a clear plan around the property, payment and timing.
Explore Southern California home loansQuestions are welcome
Super Jumbo Loan Questions
How do I know the loan limits for my purchase?
Loan limits depend on the property county, number of units and the current conforming limits. I will review the live limits and your plan with you instead of relying on an old number online.
Do jumbo loans require a 20% down payment?
Down-payment expectations vary by program, property, credit, income, assets and the overall loan profile. We will explore the options available for your specific purchase.
Can self-employed buyers qualify for a jumbo home loan?
Many self-employed buyers can. The right approach depends on how your income is documented and how the rest of your financial picture comes together. Explore Bank Statement Loans, then we can start with a clear review of your documents and goals.
What are jumbo loan reserves?
Reserves are eligible funds you still have after paying your down payment and closing costs. They are usually measured in months of your total housing payment. For many jumbo loans, plan on 6 to 12 months of reserves, although the requirement varies with the program, loan amount, loan-to-value, property, and borrower profile.