Jumbo Loans in San Jose, CA
Jumbo loans exceed conforming limits and come with tighter underwriting, larger reserve requirements, and higher price points.
About Jumbo loans
What this loan type means for San Jose buyers.
Loan amounts above conforming limits. Tighter underwriting, larger reserves, often coastal price points.
Borrowers in San Jose, California can use Jumbo financing for primary residences in most cases, subject to the 2026 loan limit applicable to California. Talk to a licensed loan officer to confirm eligibility for your situation — credit, debt-to-income ratio, and property type all factor into approval.
Before reaching out, verify any loan officer's current licensing through NMLS Consumer Access. MLO Finder shows source-linked review snapshots where available but is not a lender and does not originate loans.
Borrower fit
Who Jumbo loans are for in San Jose.
Jumbo loans are for borrowers whose loan amount exceeds the conforming limit for their county. They're common in high-cost markets, for higher-priced homes anywhere, and for cash-out refinances that push the new balance past the conforming cap. Underwriting is tighter and reserve requirements are higher than conforming, but pricing can be very competitive for strong borrowers.
