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Mortgage Broker in California for Jumbo & Non-QM Loans

As a mortgage broker serving Los Angeles, San Francisco, Newport Beach, and Santa Barbara, we deliver competitive jumbo pricing with flexible guidelines and fast approvals. Whether you’re self-employed, retired, or purchasing a luxury home, we compare wholesale lenders to fit your asset profile and timeline.

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Why California Homebuyers Trust LendFriend With Their Jumbo Loans

At LendFriend Mortgage, we specialize in jumbo loans for high-value homes across California, helping buyers finance luxury primary residences, second homes, and investment properties in Los Angeles, San Francisco, La Jolla, and Palo Alto. Whether you’re purchasing a Westside Los Angeles home, a Bay Area technology-corridor property, a Coronado waterfront, or a Santa Barbara Mediterranean villa, our broker model gives you access to multiple wholesale jumbo lenders instead of one bank’s single set of overlays.

We work with a wide network of jumbo lenders to deliver 30-year fixed, adjustable-rate mortgages (ARMs), and non-QM jumbo loans designed for the unique price points and property types found throughout California’s high-cost markets.

More Than Just a 30-Year Fixed Jumbo Loan

Not every California buyer plans to hold a property long term. That’s why we offer jumbo ARM options, including 7/1 and 5/1 adjustable-rate mortgages, which often provide lower initial payments and greater flexibility for second-home buyers in markets like Newport Beach and Santa Barbara or those planning future moves.

We help you choose the structure that aligns with your ownership timeline, not just what’s easiest to quote.

Flexible Jumbo Qualification for Self-Employed and Retired Buyers

Many California jumbo borrowers don’t fit neatly into traditional income boxes. As a mortgage broker, we provide non-QM jumbo solutions such as:

These programs allow qualified buyers to purchase high-value properties without unnecessary friction or forced income documentation.

Custom Jumbo Pricing and Loan Structuring

Jumbo pricing is never one-size-fits-all. We structure each loan strategically, optimizing loan-to-value, reserves, term, and rate structure, to secure the most competitive jumbo mortgage options available for California buyers.

Our role isn’t just to find a rate. It’s to structure a loan that performs well today and remains flexible over time.

Faster Jumbo Closings for Competitive California Markets

High-end transactions demand efficiency. Our jumbo mortgage process is streamlined for complex, high-value purchases, and many of our California clients in Beverly Hills-adjacent markets, Palo Alto, and Newport Beach close in as little as 14 days. We coordinate closely with real estate agents, attorneys, and lenders to keep deals moving without surprises.

What Our California Jumbo Borrowers Say About LendFriend

5/5 Star Reviews on Google, Zillow, and Experience.

Stars (4)
  • LendFriend has been an outstanding lending partner, reliable, transparent, and incredibly easy to work with. Their team made the entire process smooth from start to finish, always available to answer questions and guide us through each step. I highly recommend LendFriend to anyone looking for a trustworthy and efficient lender.
    Trung Nguyen
    Closed July 2025
  • Working with the LendFriend team was an excellent experience. They are all very responsive and on top of things and have very competitive rates. They can stand to communicate a little bit more actively once the rate is locked and goes into underwriting. Overall, I would work with LendFriend again and would highly recommended others work with the team.
    Judah Kishk
    Closed December 2025
  • Wow my husband and I were truly impressed with how easy the LendFriend team made our home buying experience. Eric and his team took extra care in explaining and outlining each step -- a real customer first experience. On top of that, each member of the team was incredibly knowledgeable, organized, and responsive; resulting in an expeditious close! The website promise of working around the clock to support you is 100% factual, we had staff answering questions late night and weekends. The entire team was a real pleasure to work with, so if you are looking for a mortgage broker look no further, LendFriend is the team for you! They will give you peace of mind, get you the best rates, and make you feel confident when buying your home :)
    Sarah Carr
    Closed May 2025
  • I had been looking for a house for 2-3 years and while it was a journey as a business owner with a difficult financial situation this company did what 6 others could not. They got me a jumbo loan based off my business income and when I needed more they just made it happen twice. This process of funding can be extremely difficult and basically a blow to the ego but Eric and his team are literally magicians and my fiancee and I are now closed on out dream house. I recommend them whole heartedly
    Shawn Tassone, MD, PhD
    Closed April 2025
  • LendFriend made my homebuying experience so easy. As a business owner, I heard horror stories about how hard it can be for guys like me to get a mortgage. Thankfully I found LendFriend. Eric and the team had me approved in no time. My rate was great and they closed on time. Couldn’t ask for more
    David Marino
    Closed August 2025
  • I am so grateful for Micheal and his team at LendFriend. As a first time homebuyer with multiple businesses, I was very nervous about the loan process. Anyone who’s self employed knows loan processes for us are more extensive but LendFriend made it an ease. From getting a great rate to closing, they made clear communication and were extremely helpful in making sure I had everything I needed to ensure we got the final approval well in advance of closing date. They are truly amazing people to have on your team. Thank you Micheal, Morgan and Crystal for your encouraging words and optimism throughout this process.
    Annie Momin
    Closed September 2024

Loan Programs for Every California Jumbo Borrower 

With access to hundreds of mortgage investors, we offer flexible home loan options for nearly every situation. Whether you're applying with 1099 income, running your own business, looking to leverage your assets, we’ve got you covered. We're here to say yes where traditional lenders have said no. Let us help you make homeownership happen.

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Asset Depletion Loans in California

Qualify for your California jumbo loan using your assets rather than your income with an asset depletion mortgage. Use your bank accounts, investment portfolios, and retirement funds as income. Our asset-based lending solutions are built for high-net-worth California borrowers in Palo Alto, La Jolla, and other markets where wealth sits in portfolios rather than paychecks.

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Bank Statement Loans in California

Getting a mortgage for self employed income shouldn't be so hard. We make it easy with self employed mortgage options that qualify off bank statements, P&L statements, or 1099 income when tax returns don’t tell the full story.

Crypto Mortgages in California

Buy a house with bitcoin without selling a token using crypto-backed mortgages! No income needed. Qualify to buy your California home using just your Bitcoin and Ethereum holdings without triggering capital gains on a forced sale.

Stock RSU

RSU Mortgages For Tech Employees in California

Leverage your Restricted Stock Units to qualify for a mortgage without waiting or cashing out shares. Our RSU mortgage program recognizes vested stock grants as income, giving tech employees and equity-compensated professionals in San Francisco, Palo Alto, and Los Angeles a faster path to closing.

Buy Before You Sell in California

Move into your new home before selling your current one with our  Buy Before You Sell program. Use your existing equity to fund the new purchase, remove the contingent-offer pressure that sellers in Newport Beach, Manhattan Beach, and the Bay Area often reject, and time both closings without having to move twice.

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Straightforward Jumbo Qualification for California Buyers

Wondering what it takes to qualify for a California jumbo loan in Los Angeles, San Francisco, Palo Alto, La Jolla, or Coronado? At LendFriend, we make the process clear.

Transparent income, credit & DTI guidelines
We break down jumbo loan requirements including credit score, documentation, and debt-to-income ratios, so you can plan ahead with confidence.

Flexible solutions for self-employed professionals and retirees
Not everyone fits into a W-2. That’s why we specialize in self-employed jumbo loans and asset-depletion programs for entrepreneurs, investors, and retirees financing high-value homes in Beverly Hills-adjacent markets, Palo Alto, Newport Beach, and Santa Barbara.

 

Ready When You Are. Let's Get Started.

Whether you’re buying a Westside Los Angeles home, a Manhattan Beach beachfront condo, a Palo Alto Silicon Valley property, a La Jolla coastal estate, or a Santa Barbara Mediterranean villa, our team builds jumbo mortgages around your goals. From  10% down jumbo programs to specialty non-QM solutions for self-employed and retired buyers, we make sure you’re set up for success.

Apply for a jumbo loan online today or connect with a local expert. We’ll compare current jumbo mortgage rates in California, explain how jumbo loans differ from conforming mortgages, and create a clear plan to get you to closing. Many of our clients in Beverly Hills, Newport Beach, Palo Alto, and La Jolla close in as little as 14 days.

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FAQs – Getting a Jumbo Loan In California

What loan amount qualifies as a jumbo loan in California?

Across California’s high-cost counties (Los Angeles, Orange, Santa Clara, San Mateo), the 2026 conforming loan limit for a one-unit property is $1,249,125. Any mortgage above this amount is considered a jumbo loan.

Here’s the 2026 high-cost limit breakdown for California (applies to all four counties above):

  • Single-unit property: $1,249,125

  • Two-unit property: $1,599,375

  • Three-unit property: $1,933,200

  • Four-unit property: $2,402,625

Because luxury homes in Los Angeles, Newport Beach, Palo Alto, San Francisco, and San Diego often far exceed these thresholds, jumbo mortgages are the standard financing in these California markets.

How much can I borrow with a California jumbo loan?

With strong qualifications, California jumbo loans can reach well into the multi-million range. Approval depends on factors like credit score, loan-to-value ratio, and reserves. Higher credit and more reserves get you lower jumbo rates and better terms. Some wholesale lenders we work with will go to $10M and beyond on the right file.

Do California jumbo loans require perfect credit?

No. While a 750+ score helps secure the best jumbo pricing, borrowers with slightly lower scores still qualify if they show compensating strengths like a larger down payment, significant liquid reserves, or an asset-depletion structure that offsets a sub-750 score.

Can I get a California jumbo loan if I’m self-employed or have complex income?

Yes. We offer non-QM jumbo programs like bank-statement mortgages and asset-depletion loans. These allow California entrepreneurs, consultants, and retirees to qualify without relying on W-2s or traditional tax returns. Bank-statement loans qualify off 12 or 24 months of deposits; asset-depletion loans qualify off your investment and retirement holdings.

What California property types are eligible for jumbo financing?

Eligible properties include single-family homes, condos, townhomes, and 2–4 unit properties. Whether it’s an Pacific Palisades home, a Manhattan Beach condo, a Los Angeles home, or a Newport Beach waterfront, we’ll structure the right jumbo financing solution.

 

How do California jumbo loan interest rates compare to conventional rates?

In California, jumbo rates are often competitive with conventional rates, and sometimes lower. Wholesale lenders aggressively compete for high-quality jumbo borrowers in markets like Beverly Hills, Newport Beach, Palo Alto, and San Francisco, which puts downward pressure on the rate sheet.

Can I refinance a California jumbo loan?

Yes. Jumbo refinances can lower your rate, switch from an ARM to a fixed loan, or let you tap into equity from a high-value property. Many California homeowners refinance to save money, restructure debt, or fund a renovation. The same broker-shopping approach applies on the refi side: comparing wholesale lenders usually finds a better result than going back to your original bank.

Why Choose LendFriend?

At LendFriend Mortgage, jumbo loans are a core specialty, not a side program. We match borrowers with the right jumbo lender for their property, financial profile, and goals, with no hidden fees and a clear approval timeline. Whether you want a fixed 30-year, a 7/1 ARM, or a flexible non-QM option, we run the file with the lender whose guidelines fit it best.

Around the Clock

We’re available 7 days a week to help you compare jumbo mortgage rates, review lender options, and move forward with the right structure, whether you’re buying a primary home, second home, or investment property.

Loan Options

We offer a full range of jumbo financing solutions, from conventional fixed rates to ARMs, bank statement loans, and asset depletion programs. We match the structure to your file and your goals.

Get Pre-Approved Quickly

Our jumbo preapproval process strengthens your offer and gives sellers confidence in your ability to close on higher-priced properties. You can apply for a jumbo loan online in minutes, making it faster and easier to get started.

Competitive Rates with No Points

We shop multiple jumbo lenders to find the most competitive rates for your profile, without unnecessary points or hidden charges. Different lenders price the same file differently, so comparing across the lender panel usually finds you a better rate-and-fee combination.

Personalized Mortgage Guidance

You’ll work one-on-one with a jumbo mortgage expert who will explain your options, help you structure your file for approval, and guide you through underwriting with clarity.

Close in as little as 14 days

Our process is designed for larger transactions, so most jumbo loans close in as little as 14 days, even in competitive markets like Beverly Hills, Newport Beach, Palo Alto, and La Jolla

Get a custom rate quote on a California jumbo loan in under 2 minutes.