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.
Jumbo Loans and Tech Income in Silicon Valley
In Santa Clara County, the 2026 conforming loan limit is $1,249,125 for a single-unit property — any loan above this amount is considered jumbo, regardless of lender. With Bay Area median prices well above that line, jumbo financing is simply how most local purchases get done.
It's also worth correcting an old assumption: jumbo does not always mean 20% down. Low-down-payment jumbo programs exist — as little as 5–10% down for well-qualified borrowers — though reserve requirements and pricing adjust accordingly.
A large share of Silicon Valley jumbo borrowers qualify using RSU, stock option, or bonus income. See our full RSU & Stock Compensation guide for how this income is documented and calculated.
| Loan amount | Category | What it means |
|---|---|---|
| Up to $1,249,125 | High-balance conforming | May qualify for lower rates and reduced reserve requirements. |
| Above $1,249,125 | True jumbo | Generally requires 6–12 months reserves and stricter DTI review. |
Because Chris is an independent broker with access to multiple wholesale jumbo lenders, terms can vary meaningfully by lender — shopping a single bank's jumbo guidelines can cost you options.
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
Jumbo Loans by City
Jumbo and super-jumbo financing is the norm across most of Santa Clara County. Here's how it plays out city by city:
Paid in RSUs or stock options?
Equity income qualifies differently than salary. See how lenders average vested RSUs, what documentation you need, and estimate your qualifying income.
RSU & Stock Compensation Mortgages →Related Financing Guides
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A quick conversation is the fastest way to know what you qualify for and structure the right jumbo loan for your situation.
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