Jumbo & Super Jumbo Loans
California Jumbo Financing Built for High-Value Purchases
From $500,000 to $20 million, we specialize in California super jumbo loans with flexible down payment options, both amortized and interest-only payment structures, and ARM or fixed-rate financing — including programs for less-than-perfect credit.
Our California Jumbo Specialty
Super jumbo loans in California are not a side product for us — they are a core specialty. We have built a suite of programs specifically designed for California's high-cost real estate market, giving buyers access to financing structures that most lenders simply do not offer. Whether you need a low down payment on a $700,000 purchase or bank-level financing on a $10 million estate, we have a program structured for your situation.
Standard Super Jumbo Program
Purchase loans from $500,000 to $20 million. One loan — no mortgage insurance required. Available in 5/1 ARM, 7/1 ARM, 15-year fixed, and 30-year fixed.
Cal-Select Program
Designed for licensed professionals in California — practicing MDs, Ophthalmologists, Dentists, CPAs, and Attorneys.
The Cal-Select program extends enhanced jumbo financing terms to licensed California professionals whose income trajectory and financial profile warrant greater flexibility. If you hold an active California license in one of the qualifying professions, you may qualify for expanded loan amounts, reduced down payment requirements, and more favorable underwriting consideration than the standard program.
Qualifying Professions
Active California license required. Contact our team to confirm eligibility and discuss program terms.
Program Features
Low Down Payment Options
Start with as little as 5% down on loan amounts up to $1 million — a structure most jumbo lenders do not offer. Higher loan amounts step up gradually, keeping more capital in your hands.
No Mortgage Insurance
Every tier in our standard program is structured as a single loan with no PMI required — regardless of down payment percentage.
ARM & Fixed-Rate Options
Choose the structure that fits your timeline. 5/1 and 7/1 ARMs offer lower initial rates for buyers who plan to sell or refinance within the fixed period. 15- and 30-year fixed rates provide long-term payment certainty.
Interest-Only Available
Interest-only payment terms are available on qualifying programs, reducing monthly carrying costs during the initial period — a common structure for high-net-worth buyers managing cash flow across multiple assets.
Less-Than-Perfect Credit Considered
Our jumbo programs include options for borrowers with credit profiles that fall outside conventional guidelines. We evaluate the full picture — assets, income, and property value — not just the credit score.
Up to $20 Million
Super jumbo bank financing for California residential properties is available up to $20,000,000 through our private portfolio lender network.
Frequently Asked Questions
Ready to Discuss Your Jumbo Purchase?
Our advisors specialize in California's high-value market. Tell us your situation and we will find the right program.
Personalized for you
Get Your Personalized Mortgage Rate
Every borrower is different. Tell us about your scenario and we'll compare programs and rates tailored to you — no obligation.
- Compare multiple loan programs side by side
- Review interest rate, APR, points, and monthly payment
- Speak directly with an experienced mortgage broker
Specialized programs available
Loan programs, rates, and terms are subject to change without notice. All loans subject to credit approval, property appraisal, and underwriting review. Down payment tiers and sale price ranges are approximate and may vary based on individual borrower qualification. The Cal-Select program is available to licensed professionals meeting lender eligibility criteria. Brooks Mortgage, Inc. NMLS #1608346. Licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, License #4139. Equal Housing Lender.