Go Big and Own More in SoCal with a Jumbo Loan | Valor Lending Group
When it comes to high-value homes in Southern California, standard loan limits just don’t cut it. From ocean-view estates in Malibu to modern penthouses in Downtown Los Angeles, and from beachfront retreats in La Jolla to sprawling Rancho Santa Fe ranches, a jumbo loan can be the key to securing the lifestyle you’ve been dreaming about.
At Valor Lending Group, I specialize in helping buyers Go Big and Own More in SoCal with a Jumbo Loan, offering competitive rates, flexible guidelines, and loan amounts designed to match the scale of Southern California’s luxury real estate market.
Let’s find your best loan scenario.
Call me, Hayden Madison, today at 858-349-7538, or email me at hmadison@valorlending.com
Go Big and Own More in SoCal with a Jumbo Loan
What Is a Jumbo Loan?
A jumbo loan is a mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac, which simply can’t keep up with Southern California’s high property values. In markets like Los Angeles and San Diego, that means many homes in sought-after areas such as Beverly Hills, Brentwood, Coronado, or Del Mar require jumbo financing. These loans are essential for buyers looking to secure luxury properties in some of the most desirable neighborhoods in the country.
Whether you’re buying a primary residence, a second home, or an investment property, Valor Lending Group offers jumbo loan options for purchases, refinancing, and even cash-out refinances – all tailored to the unique needs of SoCal buyers.
Why Choose a Jumbo Loan in Los Angeles or San Diego?
The Southern California housing market is competitive and fast-moving, especially in the luxury segment. Sellers expect strong, well-structured offers, and having jumbo financing ready can give you the edge.
Unlike conventional loans, jumbo loans offer:
- Higher borrowing limits to match SoCal price tags
- Flexible debt-to-income (DTI) ratios (up to 50% at Valor Lending Group)
- Options for as little as 10% down on certain properties
- Competitive interest rates for well-qualified borrowers
Go Big and Own More in SoCal with a Jumbo Loan means not having to compromise on location, size, or amenities.
How to Qualify for a Jumbo Loan in SoCal
Qualifying for a jumbo loan is similar to other mortgage types but with a greater emphasis on credit strength, income stability, and reserves. You’ll typically need:
- A credit score of at least 700 (some programs allow flexibility)
- Proof of income, including W-2s, tax returns, or bank statements for self-employed borrowers
- Adequate cash reserves (often several months’ worth of mortgage payments)
For example, a self-employed business owner in San Diego’s Gaslamp Quarter might use 12–24 months of bank statements instead of traditional tax returns to qualify. In LA, a salaried tech professional buying in Playa Vista may qualify based on a straightforward income and asset review.
Owner-Occupied vs. Investment Jumbo Loans
- Primary Residences & Second Homes: Finance up to 90% loan-to-value (LTV) in desirable neighborhoods like Pacific Palisades, La Jolla Shores, and Encinitas
- Investment Properties: Expect a minimum 20% down payment, often used for lucrative rental properties in places like Venice Beach, Silver Lake, or North Park
Special Jumbo Loan Programs
Bank Statement Jumbo Loans: Perfect for self-employed buyers, freelancers, and entrepreneurs in industries like entertainment, tech, or design. If your taxable income doesn’t tell the full story, 12–24 months of bank statements can help you qualify for amounts up to $10MM+
Interest-Only Jumbo Loans: Ideal for investors or those expecting significant income growth. Make lower payments now while maximizing cash flow
VA Jumbo Loans: For eligible veterans and active-duty service members in SoCal, we offer VA Jumbo Loans with up to 100% financing to $1.5MM, and flexible terms for higher amounts
The SoCal Advantage with Valor Lending Group
I know the Southern California market, the bidding wars in Encinitas, the cash-heavy competition in Manhattan Beach, and the ultra-exclusive listings in Beverly Hills. That’s why I tailor Valor’s jumbo loan programs to close quickly and competitively.
With Valor Lending Group, you get:
- Loan amounts up to $30MM+
- LTV up to 90% with as little as 10% down
- DTI ratios up to 50% for well-qualified borrowers
- 30-year fixed and interest-only options
- Fast, efficient approvals to keep you competitive in SoCal’s hot market
Go Big and Own More in SoCal with a Jumbo Loan isn’t just a tagline; it’s your gateway to securing prime property in one of the most sought-after regions in the world.
Ready to Secure Your SoCal Dream Home?
In LA and San Diego, luxury properties don’t stay on the market long. Whether you’re eyeing a Hollywood Hills view estate, a Del Mar bluff-top home, or a Coronado beachfront getaway, the right jumbo loan can make it happen.
Call me, Hayden Madison, at 858-349-7538, or email me at hmadison@valorlending.com
Let’s explore your best jumbo loan options today.
VALOR LENDING GROUP OFFERS EVERY MORTGAGE LOAN IN THE BOOK!
At Valor Lending Group, I’m ready to help you achieve your investment goals.
Call me, Hayden Madison, directly at 858-349-7538, and turn your dreams into reality today!
Recently Funded | Valor Lending Group
$1,044,550 Loan amount | Private Money Bridge Loan | Purchase | 65% LTV | Murrieta, CA
$1,900,000 Loan amount | Full Doc Jumbo Loan | Cash Out Refi | 31% LTV | Mirage, CA
$1,430,000 Loan amount | 24 Month Bank Statement Loan | Purchase | 65% LTV | Phoenix, AZ
$2,625,000 Loan amount | Ground up Construction Loan | Purchase | 65% LTV | Malibu, CA
$1,905,000 Loan amount | Fix and Flip Loan | Purchase | 90/100 LTV | Palos Verde, CA
$2,645,000 Loan amount | Ground up Spec Construction Loan | Purchase | 65% LTV | Palm Springs, CA
$712,500 Loan amount | DSCR Loan | Cash Out Refi | 75%LTV | 70% LTV
$4,013,750 Loan amount | Full Doc Jumbo Loan | Rate& Term Refi | 75% LTV | Newport Beach, CA
$592,500 Loan amount | DSCR Loan | Purchase | 75% LTV| Seattle, WA
And many more.
Every Project, Every Loan – Let’s Build Your Success Together!
Call me, Hayden Madison, today at 858-349-7538, or email me at hmadison@valorlending.com
Recap of Our Loan Products:
- Private Money Loans (20% down / minimal documentation) typically, funds in 7-10 days
- Stated Income Loans (Great for business owners and self-employed) No tax returns!
- 100% financing is available (we can cross-collateralize other properties if there is enough equity)
- Valor VA Home Loan 100% financing up to $2.5MM
- Investor Cash Flow Loan – No tax returns or DTI calculation! Based on the subject property’s cash flow
- Flipper & Rehab Loans (Flip a property with one of our many options)
- 2nd Position Loans up to $5MM
- Raw Land & Lot Loans
- Ground-up Construction for spec homes, custom homes, and commercial ground-up.
- Farms, Vineyards, Ranches, and Agricultural Properties (25-30% down)
- 10% down, Jumbo’s up to $1.5MM
- Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
- Acreage Properties
- Commercial Loans up to $500MM
- 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
- Foreign Nationals Loans (no social security or residency required)
We Also Offer:
- 10, 15, 20, 25, 30 years Fixed, Conventional Conforming Loans
- High Balance Conforming, aka Super Conforming
- Jumbo’s to $10 MM / 10% down Jumbo to $1.5MM
- FHA, USDA
- ARM’s
- Reverse mortgages up to $1MM Value
- Refinance including Cash Out
**Rates and terms are subject to change without notice
