Higher-priced homes
Jumbo loans for higher-priced homes.
In much of Orange County, home prices can exceed the standard conforming loan limit. Jumbo and high-balance loans finance those larger amounts, with their own credit, down payment, and reserve guidelines.
Talk with TroyMay be a good fit if…
- Your loan amount is above the conforming limit for your county.
- You have strong credit and documented income.
- You have cash reserves after your down payment.
What to know
Above the conforming limit
The Federal Housing Finance Agency sets conforming limits each year. High-cost counties have a higher “high-balance” limit; loans above it are jumbo.
Stronger qualifying profile
Jumbo loans commonly require higher credit scores, larger down payments, and lower debt-to-income ratios than conforming loans.
Reserve requirements
Lenders often ask for several months of mortgage payments in reserves after closing.
Questions worth asking
- Is my loan amount high-balance or jumbo in my county?
- How many months of reserves will I need?
- How do fixed and adjustable jumbo options compare for my timeline?
Frequently asked questions
What is a jumbo loan?
A jumbo loan is a mortgage above the conforming loan limit set by the FHFA for the county where the home is located.
How much down payment does a jumbo loan require?
Requirements vary by lender and loan size. Many jumbo programs ask for 10–20% or more, along with cash reserves.
Can overseas buyers get a jumbo loan?
Some lenders offer jumbo financing to non-U.S. residents, usually with larger down payments and added documentation. Availability varies by lender and residency status.
Want advice for your situation?
Troy (Thuy Kim) Huynh, California real estate broker DRE #01889229 and mortgage loan originator NMLS #344740, broker associate with Century Financial Group, Corp. (DRE #01930905). Loans are offered only in states where Troy Huynh is licensed — see NMLS Consumer Access. Not a commitment to lend; all loans are subject to credit and underwriting approval. Contact: (714) 452-8081.