Jumbo Loans for High Value Homes and Investment Properties
Our jumbo mortgage solutions are designed for borrowers with substantial income, assets, or complex financial profiles who need more flexible financing options. Depending on the program and borrower qualifications, options may include fixed rate loans, adjustable rate mortgages, and interest only jumbo loans.
Jumbo Loan Financing for High Value Real Estate
For buyers in expensive real estate markets such as Los Angeles and other parts of California, jumbo financing can provide the borrowing capacity needed to purchase properties that fall outside standard conventional loan guidelines.
Crestico works with a broad network of lending institutions to help qualified borrowers explore jumbo mortgage options based on their income, assets, credit profile, property type, and financing goals.
Who Can Benefit From a Jumbo Loan?
They can be useful for:
• Buyers purchasing luxury or high value homes
• Homeowners purchasing properties in high cost California markets
• Buyers purchasing a second home
• Real estate investors financing qualifying properties
• High income professionals with substantial assets
• Self employed borrowers with complex income structures
• Borrowers whose financial profile does not fit traditional underwriting models
The right jumbo loan depends on the property, loan amount, down payment, credit profile, income documentation, and overall financial position.
Step 1
Check Eligibility
Step 2
Step 3
Step 4
Step 5
Jumbo Loan Options Available Through Crestico
Financing Solutions for Complex Financial Profiles
Crestico’s lending network can provide financing solutions for qualified borrowers with circumstances that may require more specialized underwriting.
Depending on the lender and program, considerations may include self employment income, short term rental income, one year of tax return documentation, restricted stock units, non publicly traded assets, net operating losses, and other complex financial factors.
Some programs may also accommodate entity ownership structures such as LLCs or trusts when permitted by the lender and applicable requirements.
Borrowers should discuss their specific circumstances with a qualified loan professional before assuming that a particular program or documentation method is available.
Crestico offers a diverse portfolio of interest-only lending solutions designed for clients who need flexible payment structures and wish to manage their principal reduction at their own pace—ideal for those with fluctuating income or complex financial profiles.
Program Highlights:
- Interest-Only Jumbo ARMs & Fixed-Rate Loans: Finance up to $25 million with as little as 20% down. Options include co-signers and cross-collateralized properties for enhanced borrowing power.
- Tailored Lending for Affluent Clients: Customized loan structures accommodate title vesting in entities such as LLCs and irrevocable trusts—perfect for high-net-worth individuals.
- High-Leverage Financing Options: Benefit from interest-only programs supporting 1031 exchanges and second homes, with loan-to-value ratios up to 80%.
- Specialized Underwriting Solutions: We evaluate a wide range of financial scenarios, including discounting net operating losses (NOLs), recognizing short-term rental income, accepting one-year tax return documentation, and assessing non-publicly traded assets. Restricted stock units (RSUs) may also be considered as qualifying income or assets.
Crestico Funding offers low down payment jumbo loan solutions, making it easier for qualified buyers to enter the high-value real estate market—even without substantial liquid reserves. Ideal for primary residences or investment properties, our programs combine accessibility with flexibility.
Program Highlights:
- Low Down Payment Jumbo Loans: Finance up to $1.5 million with just 5% down, or up to $3 million with 10% down—available through select portfolio lenders offering competitive rates and flexible terms. (Mortgage insurance may apply.)
- Diverse Lending Network: Leverage Crestico’s relationships with a wide array of lending institutions, including local credit unions, California regional banks, and top-tier national banks.
- Tailored Underwriting Solutions: Programs designed for complex financial scenarios, including true stated income, consideration of net operating losses (NOLs), and more.
- Strategic Financing for Unique Borrowers: Ideal for buyers without large liquid reserves, self-employed professionals, and high-income individuals seeking customized loan solutions.
Jumbo Loans for Los Angeles and California Buyers
Crestico serves borrowers seeking home financing throughout Los Angeles and California and can help qualified buyers explore jumbo mortgage options for primary residences, second homes, and eligible investment properties.
This local market focus is especially valuable for borrowers purchasing high value properties in communities where conventional loan limits may not provide enough financing capacity.
Why Work With Crestico for Jumbo Financing?
Crestico helps borrowers evaluate financing structures across a network of lending sources rather than relying on a single loan product.
Our approach focuses on understanding the complete financial picture, including income, assets, property type, liquidity, investment objectives, and long term financing goals.
Whether you are purchasing a luxury home, financing a second residence, or exploring financing for a high value investment property, Crestico can help you understand the available options and determine which programs may fit your situation.
