Loan program
Jumbo loans in Culver City
For loan amounts above the conforming limit — common in much of Los Angeles.
No credit check to see your options
Is it right for you?
Jumbo could be a fit if…
- Your loan amount is above the conforming limit
- You have strong credit and savings
- You're buying a higher-priced home
- You want one loan instead of two
The honest view
Pros and cons
What's good
- Finance a high-priced home with one loan
- Often no mortgage insurance
- Many lenders compete for strong borrowers
What to watch
- Stricter credit and income review
- Lenders want cash reserves after closing
- Rules vary a lot from lender to lender
Compare
How Jumbo compares
I compare these side by side with real lender pricing before you choose.
Swipe the table to compare →
| Feature | Jumbo | Conventional | Bank statement |
|---|---|---|---|
| Best for | Westside prices above standard loan limits | Two years of solid tax returns | Freelancers and business owners with big write-offs |
| Backed by | Not government-backed (each lender's own rules) | Not government-backed (Fannie Mae / Freddie Mac rules) | Not government-backed (non-QM) |
| Credit | Strong credit expected | Usually higher than FHA | Varies by lender |
| Mortgage insurance | Usually none | Needed below 20% equity; removable later | Usually none |
| Property | Main home, second home, sometimes rentals | Main home, second home or rental | Main home, second home or rental |
| Loan limit | Above the conforming limit ($1,249,125 in LA County for 2026) | Conforming limit set by county | Set by each lender |
What's the jumbo cutoff in LA?
In 2026, loans above $1,249,125 for a one-unit home in Los Angeles County are jumbo. The limit is updated every year.
Do jumbo loans cost more?
Not always. Jumbo pricing depends heavily on the lender, which is why shopping many lenders matters most here.
How much do I need in reserves?
It depends on the lender and loan size. Some want several months of payments saved, some more. I'll find the best fit.
Can I use a jumbo loan if I'm self-employed?
Yes. Some jumbo lenders use bank statements or assets instead of tax returns.
Reviews
Read all on GoogleDon't take my word for it
“Sample review — replace with a real one. Two banks said my income was too low. Brian used my business statements and got us approved.”
“Sample review — replace with a real one. Closed my second rental in my LLC without showing a single tax return.”
“Sample review — replace with a real one. Pulled equity for my studio build-out. Brian laid out three options in plain English.”
Let's see if Jumbo is your best option.
Two minutes, no credit check. I'll compare it against every other loan you qualify for.
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