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With over 30 years in business and access to over 130 lenders, we can offer you the best California jumbo loan for your unique situation.
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Are you looking for a California jumbo loan? In many communities, California jumbo loans are the only available option; therefore, they are being offered at more banks. The difference between a California jumbo loan and a conforming loan is more than just the loan amount. California jumbo loans usually have an interest rate of 1/8 to ¼ point increase because they are a higher risk. However, California jumbo loans also offer the fixed rate mortgages as well as adjustable rate mortgages. The repayment terms are also similar in California jumbo loans. Still, a California jumbo loan shares more similarities to conventional loans than differences. With either loan borrowers still have the option of choosing between a fixed rate mortgage and an adjustable rate mortgage. The repayment times are also similar, despite the larger amounts associated with a California jumbo loan.

California jumbo mortgage and California jumbo loan have identical meanings and are often used interchangeably. A California jumbo mortgage involves borrowing money while using a house as collateral. For many families choosing who to underwrite a California jumbo mortgage is one of the most important financial decisions they will ever make. Fortunately it does not have to be one of the most difficult. Ocean Pacific Capital will walk you through the process to find that California jumbo mortgage. When looking for a California jumbo mortgage it is important to make certain that it is the right loan product for you or your family. The cost of borrowing money with a California jumbo mortgage is higher than that of a conforming loan. So if you do not need to borrow over $417,000 then you should be shopping for a conforming loan rather than a California jumbo mortgage. This number may even be larger depending upon where you live and the number of families who will be living in the home. If you decided that a California jumbo mortgage is still right for you then the next step is to determine how much you want to borrow. Do you plan on making a larger down payment on the house? Or are you using the California jumbo mortgage to pay for only a small percentage of the total value of the home? Nail down an amount that you are looking to borrow before continuing your research. The next step is to start shopping for the California jumbo mortgage.

To do this, you should employ a reputable mortgage broker, such as Ocean Pacific Capital. Ocean Pacific Capital offers competitive rates on California jumbo mortgages by obtaining offers from over 130 different lenders. California jumbo mortgage rates and terms can vary widely so this step is crucial. California jumbo mortgages are complicated financial products and it is important to have an experienced and trusted mortgage broker. The starting place to look is the interest rate associated with the California jumbo mortgage. California jumbo mortgages are already more expensive than a conventional loan so it is important to receive the most competitive rate possible. However the interest rate offered is only the tip of the iceberg. California jumbo mortgage offers may have many other fees that go unnoticed at first glance. The lowest interest rate does not always equal the lowest borrowing costs. You can now be confident that you have found the right lender to handle your California jumbo mortgage. A California jumbo home loan is one of the many types of loans available for a buyer to choose from when shopping for a mortgage. For more expensive and larger homes sometimes a California jumbo home loan is the only option available. There are options available for people who need a loan slightly above the maximums allowed by Freddie Mac and Fannie Mae. This type of loan is typically referred to as a California jumbo home loan.

Call us today toll-free at 1-800-595-1474 or fill out our online application.


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Rate Est. APR
30 Year Fixed
5.000% 5.094%
15 Year Fixed
4.75% 4.911%
3/1 ARM
4.25% 4.340%
3 Year Interest Only
4.375% 4.465%
*may include points
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