Call today for a free loan consultation

Jumbo Loans

Jumbo Loans Provide Financing for High-Value Homes

When it comes to home financing, you need a mortgage professional who can help find the right solution for your goals. The Mark Avila Loans team provides a full spectrum of financing, including mortgages for high-value homes. Jumbo loans are a specialized type of financing for homes that exceed loan limits set by government-sponsored entities Fannie Mae and Freddie Mac. We offer highly competitive rates and flexible terms for jumbo loans in Orange County, Sacramento, El Dorado, and neighboring communities. When you’re ready to start the mortgage process, contact Mark Avila Loans.

A Non-Conventional Lending Solution

Jumbo loans are a type of conventional home financing. They are conventional because they are not in any way financed or insured through the federal government. Nonconventional loans, conversely, are insured through government divisions like the Federal Housing Administration. There are two main divisions of conventional loans: conforming and non-conforming (jumbo) loans. Conforming loans are repurchased by government-sponsored entities (GSEs) Fannie Mae and Freddie Mac. These GSEs set limits for which loans they will repurchase. Nonconforming loans exceed these limits, which vary depending on where you purchase a home.

In California, jumbo loan limits are higher than the average limits across the U.S. In Orange County, the limit is $679,650. In Sacramento and El Dorado counties, the limit is $517,500.

What’s Unique About a Jumbo Loan?

Jumbo loans have a few unique characteristics to consider:

  • Jumbo loans require at least 10% down payment.
  • They have more stringent qualifying requirements than conventional loans. To get approved for these high-value loans, you should have a low debt-to-income ratio and be in good or better credit standing.
  • Jumbo loans can have fixed or adjustable interest rates
  • Terms can vary depending on your needs and goals

Expertise You Can Count On

At Mark Avila Loans, we can quickly determine if you are eligible for a jumbo loan and provide pre-approval in many cases, so you can enter the housing market with confidence. Our mortgage professionals have long-term experience in the local market, and we can help you secure the right terms and rates for your needs. If you’re looking to purchase in Orange County, Sacramento, El Dorado, or nearby communities, we’re here to help. Contact us today with questions or to schedule a consultation.

Contact Us

Pacific National Lending - Mark Avila Home Loans
2377 Gold Meadow Way
Gold River, CA 95670
Phone: (916) 947-0644

Social Media


Mark Avila NMLS Lic# 332647
DRE Lic# 01448448
Pacific National Lending NMLS Lic# 115924

Equal Housing Lender