Ventura County

Jumbo Loans in Ventura County

Finance luxury homes and high-value properties with jumbo loans exceeding conforming loan limits. Competitive rates for loans over $766,550 with flexible terms and fast approvals.

24-Hour Pre-Approval
No Credit Impact$0 Lender Fees
Key Benefits

Why Choose Jumbo Loans?

Everything you need to know about this loan program

Finance homes over $766,550 (2024 conforming limit)
Competitive rates for high-value properties
Larger loan amounts up to $3 million+
Flexible down payment options (10-20%)
No mortgage insurance with 20% down
Purchase luxury homes in premium locations
Fast approval process for qualified borrowers
Portfolio loans available for unique situations
Updated Daily

Current Rates from Our Lender Network

We shop 20+ lenders to find you the best rate • As low as 6.875%

30-Year Fixed
6.875%
6.950% APR
15-Year Fixed
6.250%
6.325% APR
7/1 ARM
6.125%
6.875% APR

Rates from our lender partners, updated daily. As a broker, we compare rates from 20+ lenders to find you the best deal. Your actual rate may vary based on credit score, loan amount, and other factors. Call (805) 393-6278 for a personalized quote.

Qualifications

Requirements & Qualifications

See if you qualify for this loan program

  • Credit score: 700+ (720+ for best rates)
  • Down payment: 10-20% minimum
  • Debt-to-income ratio: 43% or lower
  • Cash reserves: 6-12 months required
  • Income documentation: 2 years tax returns, W-2s, pay stubs
  • Asset verification: Bank statements, investment accounts
  • Property appraisal required
  • Strong credit history with no recent derogatory marks

Not sure if you qualify? Let's find out together.

Simple Process

How to Get Your Jumbo Loans

From application to closing in 6 simple steps

1

Pre-Qualification

Submit financial documents and get pre-qualified for your jumbo loan amount. We'll review your income, assets, and credit to determine your buying power.

2

Property Selection

Shop for luxury homes with confidence knowing your pre-approval amount. Your realtor will help you find properties that match your criteria.

3

Full Application

Complete the full loan application with detailed financial documentation. We'll verify all income sources and asset accounts.

4

Underwriting

Our in-house underwriters review your application thoroughly. Jumbo loans require more scrutiny but our team makes it smooth.

5

Appraisal

Professional appraisal of the luxury property to confirm value. High-value homes may require additional review.

6

Clear to Close

Final approval and closing preparation. Review closing documents and prepare for your luxury home purchase.

Ready to get started? We can get you pre-approved in 24 hours.

Call (805) 393-6278
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Calculate Your Monthly Payment

See what your payment would look like in 30 seconds

Mortgage Payment Calculator

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Additional Monthly Costs

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Estimated Monthly Payment

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Principal & Interest + Taxes + Insurance + HOA
Loan Amount$400,000
Total Payment$0
Total Interest$0

Monthly Payment Breakdown

Principal & Interest$2,661
Property Tax$500
Home Insurance$150
Common Questions

Frequently Asked Questions

Get answers to the most common questions about Jumbo Loans

Take Action Now

Ready to Get Your Jumbo Loans?

Get pre-approved in 24 hours with competitive rates and fast closings.

⚡ No credit impact • Free rate quote • $0 lender fees

Serving Oxnard, Ventura, Thousand Oaks, and all of Ventura County

Ready to get pre-approved in 24 hours?

No credit impact • Free rate quote