California Jumbo Loans

RTC Mortgage offers one of the largest selections of jumbo loans in the state of California.

Our California jumbo loans are available for owner occupants, second homeowners or investors shopping for loans greater than $726,525*. You have the choice of a fixed or adjustable rate.

Government Sponsored Jumbo Loans

Fannie Mae and Freddie Mac 5% down up to $726,525**

FHA 3.5% down up to $726,525**

USDA Zero down up to $581,220**

VA Zero down up to $726,525** and loan amounts up to $1,000,000

*Orange County conforming, VA and FHA loan limit.

**Orange County loan limits. County loan limits apply for the State of California: click here for a complete list of conforming and VA loan limits, here for FHA loan limits, and here for USDA loan limits.

Low Down Payment “No Mortgage Insurance” Jumbo Loans

30yr Fixed 10% down up to $900,000

Portfolio Jumbo Loans

30yr Fixed 20% down up to $2,000,000 loan amount

30yr Fixed 25% down up to $2,500,000 loan amount

30yr Fixed 30%% down up to $3,000,000

30yr Fixed 40% down up to $4,000,000

Alternative Document Jumbo Loans

Self-Employed / Alt Doc (no tax returns) up to $3,000,000

Pledged Asset up to $3,000,000

Asset Depletion up to $3,000,000

Investor – Property Cash Flow Loan up to $3,000,000