“Super impressed with how fast and smooth the whole process was — especially given my complex RSU comp structure that traditional banks kept discounting.
Eric and the team had no problem including my full base + RSU compensation. They were extremely fast, set clear expectations from the start, and followed through on everything they promised.
Honestly one of the easiest and most stress-free mortgage experiences I’ve ever had. Highly recommend!”
Jumbo Non-QM Loans in Los Angeles, California
Los Angeles and the Westside draw buyers looking for hillside homes, beach properties and estates from the Hollywood Hills to Malibu. LendFriend offers jumbo Non-QM loans for borrowers who need lenders to take a more flexible view of income, assets or property type.
Why Homebuyers Trust LendFriend With Their Jumbo Loans in Los Angeles
Home prices across Los Angeles and the Westside place many purchases far above the conforming limit, and a standard jumbo mortgage is not always enough. LendFriend works with buyers of primary residences, second homes, condos and investment properties, with jumbo and jumbo Non-QM programs available from more than 40 wholesale lenders.
We regularly help buyers finance homes in Beverly Hills, Brentwood, Santa Monica, Venice, West Hollywood and the Hollywood Hills, where large loan amounts and irregular income can make lender guidelines harder to meet.
Jumbo Loans Built Around the Borrower
Los Angeles income rarely looks the same from one buyer to the next. An executive may be paid in salary and bonus, while a producer, founder or investor may rely on project income, company stock or a portfolio.
LendFriend offers jumbo financing for many kinds of borrowers, including:
- Bank statement jumbo loans for eligible self-employed and 1099 borrowers who document income with 12 or 24 months of deposits and no tax returns
- Asset depletion jumbo loans for eligible borrowers who use investment and retirement accounts to qualify
- No-ratio jumbo loans for eligible borrowers purchasing or refinancing a primary residence, approved mainly on credit, equity and reserves
Financing for Hillside Homes, Beach Properties and Westside Estates
Buyers in Los Angeles choose among very different properties. Options include modern hillside homes in the Hollywood Hills and Bel Air, estates in Beverly Hills and Brentwood, beach properties in Malibu and Santa Monica, and condos in West Hollywood and Marina del Rey.
We help borrowers finance primary residences, second homes and high-value condos. The lender we recommend depends on the loan amount, the occupancy, the condo project and the borrower's income and assets.
A Faster, More Responsive Jumbo Process
Well-priced homes on the Westside often receive several offers within days. We review income, assets and credit before you bid, and we keep in close contact with the lender, the appraiser and the escrow and title companies. For borrowers who are prepared, a jumbo loan may close in as little as 14 days.
Trusted by Homebuyers
We’ve helped thousands of homebuyers finance homes across the country, and more than 1,000 reviews reflect the experience. Clients consistently highlight our responsiveness, competitive loan options, problem-solving and ability to keep even complicated transactions moving.
Jumbo Loan Programs To Suit Every LA Borrower's Needs!
LendFriend helps buyers explore jumbo loan options designed for higher-priced homes and more nuanced financial situations. Whether you are self-employed, qualifying through bank statement loans, using asset depletion, exploring crypto mortgages, or looking for doctor loans, we can help structure a solution that fits.
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Asset Depletion Mortgage for HNW Individuals
Leverage your assets to qualify for your dream home with an asset depletion mortgage. Use your bank accounts, investment portfolios, and retirement funds as income. Our asset-based lending solutions are ideal for high net worth individuals with non-traditional income.
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Bank Statement Loans for Entrepreneurs
Getting a mortgage for self employed income shouldn't be so hard. We make it easy with self employed mortgage options that don’t require tax returns or W2s—no red tape, just real solutions.
Crypto Mortgages for Bitcoin and Ethereum Investors
Buy a house with bitcoin without selling a token using crypto mortgages! No income needed. Qualify to buy your dream home using just your Bitcoin and Ethereum holdings The large-balance version of this program is a jumbo crypto mortgage, which many Los Angeles technology and crypto investors use.
RSU Mortgages For Tech Employees
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 a faster path to homeownership.
Buy Before You Sell
Move into your new home before selling your current one with our Buy Before You Sell program. The down payment is funded by a bridge loan secured by the home you own now. Unlock your equity upfront, avoid contingent offers, and buy with confidence—without the stress of timing two closings.
Jumbo No-Ratio Loans in Los Angeles
A jumbo mortgage on a primary residence can be approved with no debt-to-income ratio calculated. Lenders review a no-ratio loan on credit, equity, reserves and mortgage history, and the loan is offered for a primary residence only. Los Angeles owners whose wealth is held in real estate or a private business may be candidates.
Straightforward Qualification That Works for Buyers in Los Angeles, Beverly Hills and Santa Monica
Before making an offer in Los Angeles, Beverly Hills, Santa Monica or Malibu, most buyers want to know whether they will qualify for a jumbo loan. We review credit, income, assets, reserves and the property first and then identify the programs that fit.
Clear qualification guidelines for jumbo loans
Lenders set credit, debt-to-income, reserve and documentation requirements by loan size and occupancy. We go through each requirement with you at the outset, so the amount you may qualify for is clear.
More options for self-employed and retired buyers
LendFriend offers jumbo bank statement loans for eligible self-employed borrowers, including business owners and independent contractors, and jumbo asset depletion loans for retirees and high-net-worth buyers who qualify with eligible investment and retirement assets.
Get Started On Your Los Angeles Jumbo Loan
If you are buying a hillside home in the Hollywood Hills, a condo in Santa Monica or an estate in Beverly Hills, LendFriend can help you find a home loan in California that fits your finances.
Apply online or schedule a call with our team to discuss your options, current jumbo mortgage rates and the documentation required. We can also help qualified borrowers prepare for a faster closing after an offer is accepted.
Jumbo Non-QM Loan Examples for Los Angeles Buyers
Founders, entertainment professionals, investors and retirees in Los Angeles often need a multi-million-dollar loan that a bank's income formula does not support. Each scenario below is illustrative and shows how lenders can structure jumbo loans for California homes using asset depletion loans, bank statement loans and jumbo no-ratio loans, for a purchase or a cash-out refinance. A jumbo no-ratio loan may be used for a primary residence only.
$5.2M Asset Depletion Loan in Beverly Hills
A retired entertainment executive is buying an $8M home in the Beverly Hills flats and holds $20M in brokerage and retirement accounts. A jumbo asset depletion loan can convert those balances into qualifying income for a $5.2M mortgage. He puts $2.8M down, or 35%, and sells no long-held positions.
$3.6M Cash-Out Asset Depletion Loan in Santa Monica
A Santa Monica couple owns a home north of Montana Avenue worth about $6M with a $1.4M mortgage. A jumbo asset depletion loan can qualify a $3.6M cash-out refinance on a $13M portfolio, with no salary documented. The loan equals 60% of value and provides about $2.2M in cash before closing costs.
$2.6M Cash-Out Bank Statement Loan in Venice
The owner of a production company holds a Venice home worth about $4M with a $1.2M mortgage, and his tax returns understate his cash flow. A jumbo bank statement loan can qualify a $2.6M cash-out refinance on 24 months of business deposits. The new loan equals 65% of value and frees about $1.4M for the business.
$2.5M No-Ratio Loan in Brentwood
A founder is buying a $4.5M primary residence in Brentwood, and most of her net worth sits in a private company. A jumbo no-ratio loan, available for a primary residence only, can provide a $2.5M mortgage based on credit, equity, reserves and mortgage history. She puts $2M down, about 44%, and no debt-to-income ratio is calculated.
Jumbo Mortgage Options Beyond Los Angeles
Los Angeles buyers often own, or plan to own, property in more than one market. A larger lot, a home near the beach or a second residence can each take the search outside the city. LendFriend arranges jumbo financing in many of these places.
Across the state, we offer jumbo loans in California for primary residences, second homes and investment properties. Over the hill, many Westside buyers look at Studio City, Encino and Calabasas in the San Fernando Valley for more space. Others compare Craftsman and estate homes in Pasadena and San Marino or beach homes in Manhattan Beach and Palos Verdes in the South Bay.
Farther south, Newport Beach and Laguna Beach in Orange County and La Jolla and Del Mar in San Diego attract families and second-home buyers. Technology careers move some clients between Los Angeles and the Bay Area.
Outside California, our clients buy ski homes in Colorado and Idaho, and some relocate to Texas.
We can compare jumbo mortgage options with you before you make an offer in Los Angeles, elsewhere in California or in another state.
BORROWER TESTIMONIALS
See Why Jumbo Borrowers Choose LendFriend Mortgage
See how homebuyers across the country have worked with LendFriend Mortgage to navigate larger loan amounts, complex income, and jumbo mortgage financing.
★★★★★
“Eric is my go to guy for all lending needs. This is my third time with Lendfriend and will be back for future purchases and refi!”
“The team at LendFriend made buying our home in Florida so easy. We had an expiring lease and LendFriend was able to move very quickly to get us closed in under 30 days before the lease ended.
They also got us a great rate on a jumbo loan and were available day and night to answer all of our questions. If you’re looking for a mortgage broker that makes the process stress-free while still getting you a great rate, you have to call LendFriend.”
“We had a great experience working with LendFriend, specifically, Michael and team. They were responsive, knowledgeable, and professional throughout the entire process. Communication was clear, and they made everything feel smooth and easy.”
“LendFriend is the absolute best. I found them after I was denied by a lender due to an appraisal issue. I spoke with dozens of lenders, but LendFriend was the only one that could figure out a solution.
They were able to close my jumbo loan in less than 3 weeks and hit my closing date. If you need a lender to step in and save the day, call LendFriend!”
“The staff from my new favorite mortgage company Lendfriend is the best experience I’ve ever had from any lending organization...Their customer Service was very attentive and always prepared to assist me in every way...Ask for Eric !!”
FAQs – Getting a Jumbo Loan In Los Angeles
What loan amount qualifies as a jumbo loan in Los Angeles?
For 2026, the conforming loan limit for a one-unit property in Los Angeles County is $1,249,125. Any mortgage above this amount is considered a jumbo loan. Because Los Angeles is designated as a high-cost area, buyers can borrow more under conventional guidelines before crossing into jumbo territory. However, in most LA neighborhoods—Larchmont, Santa Monica, Hollywood, Brentwood, and beyond—home prices exceed this threshold, making jumbo mortgages the default financing option.
How much can I borrow with a jumbo loan in Los Angeles?
With strong qualifications, jumbo loan amounts in California can extend well into the multi-million-dollar range. In high-cost markets like Los Angeles, Orange County, and the Bay Area, it’s not uncommon for jumbo loans to reach $8 million or more for qualified buyers. As loan sizes increase, lenders apply tighter standards around debt-to-income ratios, loan-to-value limits, credit profiles, and reserve requirements.
Buyers with substantial assets—whether through RSUs, bonus income, business ownership, or investment portfolios—often unlock more competitive jumbo mortgage rates and greater flexibility in how income is evaluated. Structuring becomes critical at this level, especially in California markets where both property values and underwriting expectations are elevated.
Do jumbo loans require perfect credit?
Not always. While a credit score of 705+ is preferred for the most competitive jumbo loan rates, borrowers with slightly lower scores may still qualify with compensating factors like larger down payments or high reserves. At LendFriend, we help Los Angeles clients improve credit if needed so they’re positioned for the lowest available jumbo mortgage interest rates today.
Can I get a jumbo loan if I’m self-employed or have complex income?
Yes. We work with non-QM jumbo programs including RSU-based mortgages, bank statement loans, and crypto mortgages. These programs allow startup founders, self-employed professionals, and investors to qualify using income beyond traditional W-2s or tax returns—ideal for buyers in Los Angeles and the Westside’s tech corridor.
What property types are eligible for jumbo financing?
Eligible properties across California include single-family homes, condos, townhomes, second homes, and 2–4 unit investment properties. In Los Angeles, that could mean a condo in Larchmont Village, a modern home in the Hollywood Hills, or a coastal property in Venice. We work across multiple jumbo lenders to secure competitive pricing and tailor the structure based on your property type, loan size, and overall financial profile.
How do jumbo loan interest rates compare to conventional rates?
In high-cost areas like Los Angeles, jumbo loan rates can be just as competitive—or even lower—than conventional rates, depending on market conditions. Some LA buyers secure better pricing with 30-year jumbo mortgage rates, while others save more with jumbo ARM rates like the 7/1 or 10/1. We compare current jumbo mortgage rates across multiple lenders to ensure you lock in the best fit for your financial plan.
Is an adjustable-rate mortgage a good option for a jumbo loan in Los Angeles?
An adjustable-rate jumbo loan may fit a buyer who expects to sell or refinance before the fixed period ends. A 5/1 or 7/1 ARM holds the rate for five or seven years, and the starting rate is commonly lower than a 30-year fixed rate. On a multi-million-dollar loan in Brentwood or Santa Monica, the difference in the early payments can be meaningful. Pricing of this kind explains why more jumbo borrowers are choosing ARMs again. Buyers with a short holding period should also review how an ARM compares with a fixed loan when a sale is planned.
What can I do if a bank denied my jumbo loan in Los Angeles?
A denial from one bank does not mean the loan cannot be made. Each bank adds its own overlays, and wholesale jumbo lenders treat bonus income, RSUs, business income and large asset balances differently. As a broker, we can send the file to a lender whose guidelines match the borrower. Buyers have several alternatives for California jumbo loans when a bank rejects their income documentation. A purchase already in escrow may still close after a jumbo loan is denied.
How much do I need to put down on a jumbo loan in Los Angeles?
Jumbo lenders typically ask for 10% to 20% down on a primary residence in Los Angeles. A 10% down payment may be available to borrowers with strong credit and reserves, and second homes and investment properties usually require more. Lenders also count the reserves that remain after closing. Because each program sets its own minimum, jumbo and Non-QM mortgage down payments vary with credit, occupancy and loan amount. Escrow, title and lender fees are budgeted separately as closing costs in California.
Are jumbo cash-out refinances available in Los Angeles?
Yes. When the loan amount in Los Angeles runs above the conforming limit, a jumbo cash-out refinance is the tool for pulling equity out, replacing your present loan with a bigger one. On a Los Angeles home, expect the maximum loan-to-value, reserve requirement and pricing to shift with the loan amount, which is why we compare several jumbo lenders before you apply. If you own in Los Angeles and have VA eligibility, a VA cash-out refinance or a VA jumbo cash-out refinance may let you access more of your equity than conventional jumbo guidelines permit.
Can veterans use a VA loan for a jumbo purchase in Los Angeles?
Eligible veterans and active-duty service members buying higher-priced homes may be able to use a VA loan above the conventional limits with $0 down, no monthly PMI, and competitive rates. For a borrower with full entitlement, VA jumbo loans may be written with no set loan limit.
Can I refinance a jumbo loan?
Yes. Many California homeowners choose a jumbo refinance to lower their interest rate, transition from an ARM to a fixed-rate loan, or access equity for liquidity. Jumbo refinance rates vary by lender, and qualification standards are typically more selective than conforming refinances—especially at higher loan amounts.
Whether you’re in Brentwood, Santa Monica or Los Feliz, we compare multiple jumbo lenders to secure competitive pricing and structure the refinance around your goals, timeline, and overall financial profile.
Why Choose LendFriend?
At LendFriend Mortgage, jumbo loans aren’t just one of the programs we offer—they’re a core specialty. We match borrowers with the right jumbo lender for their property, financial profile, and goals, with no hidden fees and a process built for speed. Whether you want a fixed 30-year, a 7/1 ARM, or a flexible non-QM option, we make it simple to get approved and close quickly.
Around the Clock
We’re available 7 days a week to help you compare jumbo mortgage rates, review lender options, and move forward with confidence—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—so you get the right fit for 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.
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 less than 14 days
Our process is designed for larger transactions, so most jumbo loans close in 14 days or less—even in competitive markets like Hollywood Hills, Brentwood and Culver City.