Financing for loan amounts above conventional limits, built for higher-value properties.
When a loan amount exceeds the conforming limit set for Fannie Mae and Freddie Mac, it becomes a jumbo loan, funded by lenders who hold or sell those loans privately.
Jumbo underwriting looks closely at income, assets and reserves. Programs vary widely from lender to lender, which is exactly where shopping the file pays off.
We compare jumbo options across lenders — full documentation and alternative documentation — to find the one that fits your situation.
A jumbo loan is a mortgage larger than the conforming limit. In San Diego County that limit is $1,104,000 for a one-unit home in 2026, so a loan above it is a jumbo loan.
For context, the median value of owner-occupied homes in San Diego is $906,700, according to the Census Bureau's 2020–2024 American Community Survey.
Jumbo guidelines vary much more from lender to lender than conforming ones, so we compare several for each borrower.
Every borrower’s situation is different, so the right next step is a conversation about your income, savings and timeline.
Sources: U.S. Census Bureau, American Community Survey 2020–2024; HUD 2026 FHA limits; FHFA 2026 conforming limits. Loan limits are for San Diego County, where most of San Diego’s residents live.
When the loan amount is above $1,104,000, the 2026 conforming limit for a one-unit home in San Diego County.
Many jumbo lenders allow it. Guidelines differ by lender, so we match the property and your plans to the lenders that fit.
Usually. Lenders look closely at income, assets and the property. We tell you up front what your file will need.
Jumbo Loans nearby: Chula Vista, Oceanside, Irvine
Send a few details about what you’re planning and we’ll follow up. There is no obligation.
David Young, NMLS #62043, CA DRE #01371572. Lendwise Mortgage, NMLS #2702455. NMLS Consumer Access.
David Young, CA DRE Broker Associate #01371572, NMLS #62043. Loans arranged through Lendwise Mortgage, Inc., California Department of Real Estate Corporation License #02282825, NMLS #2702455.
This is not a commitment to lend. All loans are subject to credit approval, underwriting and property eligibility. Equal Housing Opportunity.