Jumbo Loans in San Jose & Santa Clara County
In the Bay Area, jumbo loans are not the exception — they are the norm. With median home prices well above conforming limits, I specialize in jumbo and super-jumbo financing for Silicon Valley buyers who need a lender who understands the local market.
Who this is for
- Buyers financing above $1,249,125 in Santa Clara County
- Move-up buyers transitioning into a larger home
- Executives with complex income (RSUs, bonuses, self-employment)
- Buyers of luxury or high-value properties
Loan highlights
Loan amounts from $1M to $5M+
Fixed and adjustable rate (ARM) options
Competitive rates for strong credit profiles
Bank statement and asset depletion options available
RSU and bonus income accepted
Frequently asked questions
Typically 700 minimum, with the best pricing reserved for borrowers at 720–740 and above.
Usually 10–20%, depending on loan size and credit profile.
Yes — I specialize in qualifying Bay Area tech professionals with equity compensation such as RSUs.
Not always — in many cases jumbo rates are competitive with or even lower than conforming rates.
Ready to get started?
A quick conversation is the fastest way to know what you qualify for and structure the right jumbo loan for your situation.
Get Pre-Approved for a Jumbo Loan