Financing for homes above the limit.
When your loan goes past the conventional limit, a jumbo loan fills the gap. Whether it's a wine country estate or a move from the coast, I'll find the structure that fits.
Why buyers choose jumbo
More room to borrow, with more flexibility than most people expect.
Borrow above the limit
Finance more than $832,750, the 2026 conventional limit in Riverside County.
Less down than you think
Many jumbo loans start at 10% down. Many don't add mortgage insurance, even under 20% down.
Any kind of home
Use it for the home you live in, a second home, or an investment property.
How it works, start to finish
Three steps, one person guiding you the whole way. That's me.
Get pre-approved
Jumbo loans look closely at income, assets, and savings. I'll gather it all up front, so there are no surprises.
Find your home
With the home and the loan under one roof, your offer is stronger and nothing falls through the cracks.
Close with confidence
I keep the loan and the purchase moving together, all the way to the keys.
Smart ways to structure a jumbo loan
The rate isn't the whole story. These are the tools I use to make the numbers work.
Rate buydown
Pay a little up front, or have the seller pay it, to lower your rate. It can last the life of the loan or just the first few years.
Adjustable rate
A 7 or 10-year adjustable rate starts lower than a fixed rate. It's a smart fit if you plan to move or refinance in that window.
Early 2027 limits
Some of my lenders already allow the higher 2027 limits. That could mean you don't need a jumbo loan at all.
Compare your options
Three ways to finance a higher-priced home, side by side.
| Minimum down | Mortgage insurance | Credit score | Best for | |
|---|---|---|---|---|
| Conventional | 3% for first-time buyers, 5% for others | Needed under 20% down. It goes away as you build equity. | Usually 620+ | Loans up to $832,750 in Riverside County. |
| Jumbo fixed | Often 10% | Often none, even under 20% down. | Usually 700+ | The same payment for the life of the loan. |
| Jumbo adjustable | Often 10% | Often none, even under 20% down. | Usually 700+ | A lower starting rate if you'll move or refinance within 7 to 10 years. |
Moving from the coast?
Coastal buyers get more home for their money in the Temecula Valley. Let's see what yours looks like.
Get pre-approvedFrequently asked questions
The honest answers I give my own clients.
Popular tools and free resources
Dig in on your own time. These are the ones clients reach for most.
Mortgage calculator
Estimate your monthly payment in a few clicks.
Run the numbersHomebuyer guide
Every step of buying a home, laid out simply.
Get the guideRate updates
Where mortgage rates are and what it means for you.
See ratesClient reviews
Hear from clients I've guided through the home and the loan.
Read reviewsLet's structure the right loan for you
You don't need a whole team of strangers to figure this out. You just need the right person guiding you. That's what I'm here for.