Above the county conforming limit
A higher loan amount shouldn’t mean fewer options.
Jumbo financing for California properties above the county conforming loan limit. Guidelines are stricter and vary by lender — we compare jumbo programs across multiple wholesale lenders to fit a higher loan amount to your file.
One file, several jumbo lenders compared.
Equal Housing Opportunity
Familiar with high property values. Familiar with this market.
In the Greater Los Angeles area — Los Angeles, Orange, Riverside, and San Bernardino Counties — it doesn’t take an unusual property to land above the conforming loan limit. We work with jumbo financing often enough that the extra documentation and reserve requirements aren’t a surprise.
This program is available for properties located in California only.
What makes a loan “jumbo.”
A jumbo loan is any mortgage that exceeds the conforming loan limit set annually by the Federal Housing Finance Agency (FHFA) — the maximum amount Fannie Mae and Freddie Mac will purchase or guarantee. Because jumbo loans aren’t backed by those agencies, lenders typically apply stricter guidelines: higher minimum credit scores, larger down payments, and proof of cash reserves after closing, in addition to standard income and asset documentation.
2026 conforming loan limits — and what counts as jumbo.
For 2026, the FHFA has set the baseline conforming loan limit for a single-family home in California at $832,750. In higher-cost counties — including Los Angeles and Orange — the limit is raised to $1,249,125. In Riverside and San Bernardino Counties, the baseline $832,750 limit applies. Any loan above the applicable limit for the property’s county is considered jumbo.
Conforming loan limits are set annually by the FHFA and can change. Figures shown are for 2026 — confirm current limits for your specific property at the time of application. Equal Housing Opportunity Lender.
What the process generally looks like.
- Confirm the fit. We check whether your loan amount is actually jumbo for your property’s county — and whether a jumbo loan is your best option.
- Pre-qualify. Including a review of credit, income, assets, and post-closing reserves — jumbo underwriting looks at reserves more closely than a conforming loan.
- Documentation and appraisal. Jumbo loans often call for more thorough documentation and, in some cases, a second appraisal.
- Close. Clear updates the whole way.
General process description only — not a commitment to lend.
Jumbo loans in California: how the program works
Jumbo loans in California are mortgages that exceed the conforming loan limit set each year for the county where the property is located. Because they fall outside Fannie Mae and Freddie Mac guidelines, jumbo loans in California are underwritten to individual investor requirements, which often means fuller documentation of income, assets, and reserves. Buyers in higher-priced markets such as the South Bay and coastal Los Angeles frequently encounter jumbo financing simply because of local home prices.
Terms, reserve expectations, and property requirements for jumbo loans in California vary by lender and by loan scenario. Nationwide Funding Group Corp is a licensed California mortgage broker (NMLS #98906) and compares jumbo options across multiple wholesale lenders. This section is general information only and is not a commitment to lend. Equal Housing Opportunity.
Get pre-qualified for a jumbo loan.
Rates, programs, and terms are not guaranteed and are subject to borrower qualification and final lender approval. This is not a commitment to lend.
This program is available for properties located in California only.
Nationwide Funding Group Corp, a licensed mortgage lender and mortgage broker | 350 S Crenshaw Blvd, Ste A206A, Torrance, CA 90503 | (310) 961-9750 | NMLS #98906 | CA DRE Corporation License #01801836 (licensed, active, since 2007) | Broker of Record: Alexander J. Gonzalez | NMLS #98329 | CA DRE #01384006 | Equal Housing Opportunity | NMLS Consumer Access → | Licensing & Disclosures | Privacy Policy | Terms of Use | Accessibility Statement | This is not a commitment to lend. All loan programs are subject to borrower qualification, property eligibility, and lender approval, and are not guaranteed.