California Jumbo Buster Loan

What’s a – California Jumbo Buster Loan?


A California Jumbo Buster Loan is where we do a conventional mortgage with a super low 30 year fixed rate (up to the county loan limit) and then we do a 30-year second mortgage up to $500,000. Counties such as ALAMEDA, CONTRA COSTA, LOS ANGELES, MARIN, NAPA, ORANGE, SAN BENITO, SAN FRANCISCO, SAN MATEO, SANTA CLARA, and SANTA CRUZ have conventional loan amounts are up to $822,375. So whether your purchasing or refinancing we can provide loan amounts up to $1,265,600.


California Jumbo Buster Loan Requirements

  • Debt to income restrictions are limited to 45%
  • The borrower’s credit score should be 700 for a primary residence to be eligible.
  • No Mortgage Insurance Required.
  • Max LTV 90%
  • No reserves required. 
  • The programs are available for single-family residential housing (regular houses, townhomes, and condominiums).  Multi-unit, vacant land, and commercial properties are not eligible.
  • 10% down payment required for purchases.


Great way to Refinance out of your high-interest rate Jumbo mortgage loan CLICK HERE TO GET STARTED


Use our convenient lookup tool below to view the loan limits for your specific county.

Comparing Current California Mortgage Rates

Finding the lowest California Mortgage Rates is very important, that’s why we’ve already searched them for you, getting the lowest rate possible could save you hundreds of dollars a year and thousands of dollars over the life of your loan. Yes, having us find you the best Mortgage Rates is a big deal.

Current California Mortgage Rates

When you “CLICK HERE” you’ll instantly see today’s lowest California mortgage rates. If you see an interest rate you like, you can click to head straight to get your Custom Rate Quote.

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Our home loan experts are available 7 days a week to answer all your home loan questions. We don’t keep bankers hours…. we understand that you have busy schedules, that’s why we’re available nights and weekends.

Eddie Hoskins Founder & CEO

“My mission is to give our clients their most enjoyable home buying experience, I’m focused on making sure there process is simple.”

Why should you choose us for your home loan?

We work for you & not the bank, we offer wholesale mortgage rates which are lower than retail rates not to mention, we offer a wide variety of loan options so your not stuck with one set of restrictive underwriting guidelines.

We’ve streamlined the mortgage process, close in 30 days or less.

From application to closing, all from the palm of your hand.

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