January 23, 2018

High Balance Jumbo Mortgage Loans in California and San Francisco Bay Area only 20% Down Payment for Purchases!


Posted by Jason Wheeler | Fully Follow Me | Read More

When you are looking for a Jumbo High Balance Loan in California or in the Bay Area in general it can be difficult to secure financing for a high end 2nd home or an investment property with a 20% down payment.

Most Jumbo High Balance Lenders will only let you finance 70% of the purchase price. We are proud to offer some of the most competitive rates on loans from $729,000 up to 2 Million Dollars. Our Loan Process is pretty easy and we can close quickly.

Here are just a few of the things we can do with 2nd homes and Investment properties most retail lenders like Citibank Bank of America and Wells Fargo can’t touch! To top it off we guarantee to beat their pricing! Get in touch and ask us about our pricing guarantees and 30 day close guarantees on purchases.


  • Loans on 2nd Homes and Investment Properties up to 75% or 80% Loan to Value (LTV)
  • Jumbo Loans on 1 Unit to 4 Unit Investment Properties
  • Interest Only programs available
  • 40 Year Amortization for lower loan payments


Call or Email Us now for a Quick Approval and Personalized Quote 925-285-2172

Investor relationships are key when you are referring to getting a loan. Especially if you are applying for a Jumbo Loan

amount above $700,000. In today’s volatile lending environment it has become more and more difficult to secure financing

especially for large loans and high end properties. We are very proud to announce that we have the ability to fund Jumbo Loans above $5,000,000 in many cases.

Below you will find over 10 reasons you should contact us for all your large jumbo loan needs as well as conventional lending and transactional funding.


  1. Portfolio Lender – Private investors not Fannie Mae and Freddie Mac
  2. Loan Amounts to $500,000 (May go higher – case by case basis)
  3. LTV’s to 80% for Purchase & Rate and Term
  4. Cash-out to 65% LTV / 70% CLTV
  5. Condo’s to 60% LTV, to 70% on select Condo Projects
  6. Second Homes and 2-4 Units to 70% LTV
  7. Non-Owners – Investment Property to 50% LTV to $1,000,000
  8. Pledged Asset Portfolio Loan Program
  9. Vesting Title in Entities Program, LLC’s, Trusts,
  10. Partnerships and Sub-S Corp
  11. Local Manual Underwrite to every file


We Have the Tools To Unlock The Money Leverage you Need!

SF Gate Says jumbo mortgages are hard to get but DON’T worry about it. We can do your loan! One of the Bay Areas biggest Real Estate Sites Redfin will tell you that these loans are tough to come by too! The fact is you need banking relationships like ours!

If you are a Real Estate Agent and you are looking to break into the high end market place in the Contra Costa East Bay Area you must have a reliable source for funding your high end Jumbo deals. Many lenders cannot deliver on this type of loans in the current market place but we have the expertise and the relationships needed in order to fund these deals for you high end buyers.

As you can see we get Jumbo Loans DONE when other lenders can’t do it. We primarly do this in cities across the SF Bay Area like, Orinda, Lafayette, Pleasant Hill, Alamo, Blackhawk, San Ramon, Walnut Creek, San Francisco and Oakland.

The Mortgage Process is not always easy and Rates Change on a daily basis, however if you want the best chance to get you Jumbo Loan funded let us know and we will help you with your loan scenario!

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About Jason Wheeler - Real Estate & Lending

Jason Wheeler has been a top producing consultant in real estate and finance since 2003. Originating, conventional, government, portfolio and hard money loans throughout California for one of the top mortgage companies in the nation. Jason works directly with homeowners and purchases homes throughout the Bay Area with the purpose of adding value to older outdated homes. IF YOU LIKE OUR CONTENT GO VIP HERE


  1. It is simply more expensive to buy a home in one part of the country than it is in another. The same home on the same amount of land costs a different amount on the coast of California than it does in the plains of Kansas. Fannie Mae and Freddie Mac set the conventional loan limit for the entire country each year. 

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