Purchase high-value properties in premium San Diego neighborhoods with a Jumbo loan. At Convoy Home Loans, we specialize in helping affluent buyers, professionals, and families in San Diego, El Segundo, and across California secure large mortgage amounts with competitive rates and expert guidance.
A jumbo loan (also known as a non-conforming loan) is a mortgage that exceeds the conforming loan limits set annually by Fannie Mae and Freddie Mac. For 2026, the baseline conforming limit is $832,750 for most areas of the United States (higher in high-cost regions).
Because these loans cannot be sold to Fannie Mae or Freddie Mac, lenders take on more risk and typically charge slightly higher interest rates.
"A jumbo loan is a loan that exceeds the conforming loan limits as set by Fannie Mae and Freddie Mac. Rates tend to be a bit higher on jumbo loans because lenders generally have a higher risk."
Purchase luxury properties, waterfront homes, or larger estates in expensive markets like San Diego.
Borrow well beyond conforming limits - often into the millions.
While slightly higher than conforming loans, current jumbo rates remain attractive for well-qualified borrowers.
Access to specialized products with unique terms and underwriting.
Tap into significant equity in high-value homes.
Strong options for luxury second homes and investment properties.
In high-cost areas like San Diego, jumbo loans are often the key to unlocking dream homes that exceed standard loan limits.
Typically 0.125%-0.50% higher than conforming loans.
Requires higher credit scores (usually 700+), larger down payments (10-20%+), and substantial reserves.
Lenders require detailed financial verification.
Not all banks actively offer jumbo programs.
High-value properties may require multiple appraisals.
For buyers planning shorter stays, we often recommend exploring our adjustable-rate mortgage options instead.
Jumbo loans are ideal for:
✓ Buyers purchasing homes above $850,000 in San Diego County
✓ High-income professionals and executives
✓ Self-employed borrowers with strong financial profiles
✓ Buyers with significant assets and excellent credit
✓ Those relocating to Southern California for high-paying careers
✓ Luxury home buyers and real estate investors
We thoroughly review your financials and shop multiple jumbo lenders.
Choose from fixed-rate, adjustable-rate, or interest-only jumbo options.
Shop confidently knowing your financing is secured.
Detailed review of income, assets, credit, and property appraisal.
Close on your high-value home with terms tailored to your needs.
We leverage our strong relationships with wholesale jumbo lenders to secure the best possible terms.
Loan Type | Max Loan Amount (Most Areas) | Interest Rates | Down Payment | Best For |
|---|---|---|---|---|
Jumbo Loan | $1M+ | Slightly Higher | 10-20%+ | Luxury & high-value homes |
Conventional | Up to $832,750 (2026) | Lower | 3-20% | Standard priced homes |
FHA Loan | County-specific (lower) | Competitive | 3.5% | Lower down payment buyers |
VA Loan | No limit (entitlement-based) | Excellent | 0% | Eligible veterans |
As a nationally licensed mortgage broker (NMLS #2130517) with offices in San Diego and El Segundo, we have access to an extensive network of jumbo loan programs that community banks and big institutions often cannot match. Our mission is to provide financing options that enhance your standard of living while treating you like family.
We excel at placing complex jumbo loans quickly and at competitive rates.
Ready to finance your luxury home in San Diego? Get pre-approved for a jumbo loan today - no obligation.
Most lenders require 700+, with the best rates and terms available to borrowers with 740+ credit scores.
Typically 10-20% or more, though some programs allow lower down payments for well-qualified buyers.
Rates are usually only slightly higher. We shop aggressively to minimize the difference.
Yes - we offer both 15-year and 30-year fixed jumbo options, as well as adjustable-rate jumbo products.
Yes - we have strong options for second homes and investment properties.
Yes - we are licensed in many states and can assist high-value borrowers nationwide where permitted.
Real Estate Investor Lending · NMLS #2130517 · Licensed Mortgage Broker
AZ · CA · CO · FL · GA · ID · MD · MI · MN · NC · NM · OH · OR · PA · TN · TX · VA · WA and more
This is not a commitment to lend. All loans subject to credit approval. Equal Housing Lender.
A 30-year fixed-rate mortgage is the most popular home loan in America. It features a constant interest rate and unchanging monthly principal-and-interest payments over the full 30-year (360-month) term.
Your rate is set at closing and never changes - even if market rates rise or fall. This predictability makes budgeting straightforward for decades.
At Convoy Home Loans, we shop multiple lenders to find you the best fixed rate available for your situation.
For buyers planning shorter stays, we often recommend exploring our adjustable-rate mortgage options instead.
This loan suits:
We guide you through every step with transparent communication.
| Loan Type | Monthly Payment | Interest Rate Stability | Best For | Total Interest |
|---|---|---|---|---|
| 30-Year Fixed | Lower | Fixed entire term | Long-term homeowners | Higher |
| 15-Year Fixed | Higher | Fixed entire term | Faster payoff | Lower |
| Adjustable-Rate (ARM) | Varies | Changes after intro | Short-term stays | Varies |
As a nationally licensed mortgage broker (NMLS #2130517), we offer access to a wide range of programs with competitive rates. Our mission is simple: provide financing options that enhance your standard of living while treating you like family.
Clients love our fast closings, personalized advice, and ability to beat big-bank offers.
Ready to get started? Speak with a loan officer today - no obligation.
Convoy Home Loans · NMLS #2130517 · Licensed Mortgage Broker
AZ · CA · CO · FL · GA · ID · MD · MI · MN · NC · NM · OH · OR · PA · TN · TX · VA · WA and more
This is not a commitment to lend. All loans subject to credit approval. Equal Housing Lender.