Finance ultra-luxury homes and high-end properties in San Diego with confidence using a Super Jumbo loan. At Convoy Home Loans, we help high-net-worth individuals, executives, and successful families in San Diego, El Segundo, and across California access large-scale mortgage solutions with competitive rates and white-glove service.
A super jumbo loan is a mortgage designed for very high loan amounts - typically ranging from $2.5 million to $30 million. These loans fall well above standard jumbo thresholds and are considered portfolio loans, meaning they are held by the lender rather than sold to Fannie Mae or Freddie Mac.
Because of the significantly higher risk to the lender, super jumbo loans generally carry slightly higher interest rates than conventional or standard jumbo products.
"A super jumbo loan is a loan between 2.5 million and 30 million. Rates tend to be a bit higher on super jumbo loans because lenders generally have a higher risk."
Purchase multi-million dollar homes in premier San Diego neighborhoods such as La Jolla, Coronado, Del Mar, and Rancho Santa Fe.
Borrow from $2.5M up to $30M depending on lender programs and your financial strength.
Choose from 30-year fixed, 15-year fixed, adjustable-rate, and interest-only structures.
More customized underwriting and terms than conforming loans.
Unlock substantial equity in existing high-value properties.
Strong solutions for luxury vacation homes and investment real estate.
In one of America's most expensive coastal markets, super jumbo loans open doors to properties that standard financing simply cannot reach.
Typically 0.125%-0.50% higher than conforming loans.
Requires higher credit scores (usually 700+), larger down payments (10-20%+), and substantial reserves.
Expect detailed financial documentation, multiple appraisals, and longer processing times.
Only specialized banks and private lenders actively offer super jumbo programs.
Larger loan sizes mean even small rate differences can impact monthly payments substantially.
For buyers planning shorter stays, we often recommend exploring our adjustable-rate mortgage options instead.
Super jumbo loans are best suited for:
✓ Buyers purchasing homes priced at $3 million and above in San Diego County
✓ High-net-worth individuals and C-suite executives
✓ Self-employed professionals with complex income structures
✓ Real estate investors and portfolio owners
✓ Families relocating to Southern California with substantial assets
✓ Buyers seeking luxury waterfront, ocean-view, or estate-style properties
We conduct a thorough financial review and connect you with top super jumbo lenders.
Select the best structure (fixed, ARM, interest-only) for your goals.
Multiple appraisals and detailed due diligence on high-value homes.
In-depth analysis of assets, income, and credit.
Secure your luxury property with tailored terms and exceptional service.
Our experienced team manages the entire high-touch process from start to finish.
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 maintain strong relationships with private banks and specialized super jumbo lenders across the country. Our mission is to provide financing options that enhance your standard of living while treating you like family.
We deliver the discretion, speed, and expertise that high-value clients expect.
Ready to finance your dream luxury home in San Diego? Get pre-approved for a super jumbo loan today - no obligation.
Most programs start at $2.5 million, though some lenders may consider slightly lower amounts in high-cost areas.
Typically 20-30% or more, depending on the loan size, credit profile, and property type.
They are usually only slightly higher. We shop aggressively to secure the most competitive pricing possible.
Yes - we offer a variety of terms including fixed, adjustable, and interest-only options.
Yes - we have excellent programs for second homes and investment properties.
Yes - we are licensed in many states and can assist clients with high-value properties 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.