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Jumbo Loans — Financing Above Conforming Limits

A jumbo loan is any mortgage above the conforming loan limit ($1,209,750 for one unit in Orange County for 2025). Around here, that's not exotic — it's a normal Tuesday. Jumbo pricing is competitive with conventional, down payments start around 10–20% depending on the scenario, and documentation options include full income, bank statements, and asset depletion for strong borrowers with complex finances.

Big-loan financing for Orange County price points — competitive rates above the conforming limit. Straight answers below, and a calculator that runs your numbers with today's averages.

Run your numbers

Purchase price$1,000,000
Down payment20% · $200,000
Jumbo est. payment$5,057/mo

Principal & interest at 6.500% (avg 6/22/2026) over 30 years on $800,000. Taxes, insurance, and any mortgage insurance or program fees not included. Informational only, not a commitment to lend.

The numbers

$1.2M+

Where jumbo starts

above the 2025 Orange County conforming limit

10–20%

Typical down

scenario-dependent; stronger files go lower

3 ways

To document income

full doc, bank statements, or asset depletion

Competitive

Pricing

jumbo rates track close to conventional

Who it fits

  • Buyers above the Orange County conforming limit — much of the county's inventory.
  • Move-up buyers pairing a jumbo with a bridge loan to buy before selling.
  • Self-employed and complex-income borrowers (bank-statement and asset-depletion docs available).
  • Strong-credit buyers who want a competitive rate without games.

Straight answers

Any loan amount above the conforming limit — $1,209,750 for a single-family home in Orange County for 2025. Above that, you're in jumbo territory.

No — well-priced jumbo programs track close to conventional rates, and for the strongest files they sometimes beat them.

Plans start around 10% down for strong scenarios; 20% opens the widest pricing. The right answer depends on the full file — ask and I'll price yours both ways.

No. Bank-statement and asset-depletion programs exist exactly for strong borrowers whose tax returns undersell their income.

Yes — that's a common Orange County move: bridge unlocks the equity in your current home, the jumbo finances the new one, and you never write a contingent offer.

Your loan officer

Brett Hickman

Home First Financial

Brett Hickman

Mortgage Loan Originator · NMLS #2010859

+19493508005

Text Brett to check eligibility →