Jumbo Mortgage Loans: Financing Above Conforming Limits
Purchasing a luxury or high-value home? Jumbo loans finance properties above $832,750 with competitive rates and flexible terms for well-qualified buyers.
What is a Jumbo Loan?
A jumbo loan is any mortgage that exceeds the conforming loan limit set by the Federal Housing Finance Agency (FHFA). For 2026, that's $832,750 in most U.S. counties, including Kern County. These loans aren't backed by Fannie Mae or Freddie Mac, so lenders set their own requirements.
Dan works with multiple jumbo lenders to find you competitive rates, whether you're buying a luxury home in Bakersfield, a coastal property in Southern California, or an investment property anywhere in the country.
Jumbo Loan Pros & Cons
Pros
- Finance homes above conforming limits
- Competitive rates for well-qualified buyers
- Flexible loan structures available
- Fixed and adjustable-rate options
- Available for primary, second, and investment homes
- Some programs allow as low as 5% down
Cons
- Stricter credit and income requirements
- Larger down payment typically required
- More extensive documentation needed
- Higher cash reserves required
- Rates can be slightly higher than conforming
Why Use a Broker for Your Jumbo Loan?
Dan shops a wide network of jumbo lenders to find the most competitive rate and terms for your specific financial profile.
Self-employed? Multiple properties? High net worth but irregular income? Dan structures loans that stump other brokers.
Lenders pay Dan's compensation. You get expert jumbo loan guidance at no additional cost to you.
Jumbo Loan FAQs
Ready to Finance Your Luxury Home?
Call Dan at (661) 342-9381 to discuss jumbo loan options and get a personalized rate quote.