Jumbo Mortgage Financing
Exclusive portfolio lending strategies designed for Irvine’s luxury real estate market, offering flexibility where traditional big banks fall short.
Navigating High-Value Acquisitions
In neighborhoods like Shady Canyon, Turtle Rock, and Orchard Hills, the median home price immediately places buyers into Jumbo loan territory. Because Jumbo loans exceed the conforming limits set by the Federal Housing Finance Agency (FHFA), they are not backed by the government. They are held on the balance sheets of private lenders.
This means the rules are entirely different. Big banks often overlay incredibly strict requirements on Jumbo loans, leading to slow underwriting and denied files. At Irvine Mortgage Group, we utilize direct access to private portfolio lenders who use common-sense underwriting, allowing us to finance luxury homes based on your complete financial picture, not just a standard W-2.
Specialized Jumbo Strategies
Asset Depletion Loans
Ideal for retirees or high-net-worth individuals with low W-2 income. We calculate your qualifying income by dividing your total liquid assets (stocks, bonds, retirement accounts) over a set term, allowing your wealth to secure the loan.
Bank Statement Programs
Designed for Orange County entrepreneurs and self-employed buyers. Instead of using highly-deducted tax returns that suppress your true earning power, we qualify you based on 12 to 24 months of personal or business bank deposits.
10% Down Jumbo
Leverage your capital elsewhere. We offer specialized portfolio products that allow you to purchase homes up to $2,000,000 with only a 10% down payment and no Private Mortgage Insurance (PMI).