Jumbo Loans in San Diego, CA
For SD homes above $1,104,000, you need jumbo financing. From La Jolla oceanfront to Rancho Santa Fe estates, we have 240+ jumbo lenders competing for your business.
San Diego's luxury neighborhoods demand specialized jumbo loan expertise
Why SD Buyers Choose Our Jumbo Loans
240+ Jumbo Lenders
More lenders means more options. Portfolio lenders, private banks, and credit unions all competing for SD luxury buyers.
Biotech Income
SD's biotech hub creates complex income. We have lenders who count stock options, RSUs, and variable bonuses correctly.
Coastal Properties
Oceanfront homes in La Jolla and Del Mar require lenders who understand coastal property nuances and values.
10% Down Options
Strong credit, high reserves? Some lenders offer 10% down on jumbo to $2M. Preserve capital for other investments.
Military Retirees
Flag officers and senior NCOs retiring in Coronado—we have jumbo programs that count pension and investment income.
Foreign Nationals
International buyers in SD—we have jumbo programs for foreign nationals, ITIN borrowers, and diplomatic visa holders.
SD's Premier Jumbo Loan Neighborhoods
These SD communities typically require jumbo financing:
La Jolla
Price Range: $2M-$20M+
Character: Oceanfront, village charm
Del Mar
Price Range: $2M-$15M
Character: Beach, horse racing
Rancho Santa Fe
Price Range: $3M-$30M+
Character: Estates, equestrian
Coronado
Price Range: $1.5M-$10M
Character: Island living, naval
Carmel Valley
Price Range: $1M-$2.5M
Character: Top schools, tech hub
Santaluz
Price Range: $1.5M-$5M
Character: Gated, golf community
SD Luxury Homeowners Share Their Stories
"Both biotech executives at Illumina. Complex stock compensation made qualifying tricky. Emmett found a jumbo lender who counted our RSUs correctly. $2.8M La Jolla home, 15% down."
January 2026
"After 35 years Navy, we wanted our forever home in Coronado. Emmett handled our $1.8M jumbo with military pension and investment income. Dream home on the island."
December 2025
Get Your Jumbo Loans Quote
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Why Contact Emmett?
- ✓ Local San Diego market expertise
- ✓ Access to 240+ wholesale lenders
- ✓ Same-day pre-qualification available
- ✓ No obligation, free consultation
Calculate Your SD Jumbo Payment
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Open CalculatorSD Jumbo Loan FAQs
When do I need a jumbo loan in San Diego?
You need a jumbo loan in SD when borrowing more than $1,104,000 (the 2026 conforming limit). La Jolla, Del Mar, Rancho Santa Fe, and Coronado homes typically require jumbo financing.
What down payment for San Diego jumbo loan?
Most SD jumbo loans require 10-20% down. Some lenders offer 10% down up to $2M with strong credit (740+). For super jumbo ($3M+), expect 20-25% down.
Can I buy oceanfront property with jumbo loan?
Absolutely. Del Mar and La Jolla oceanfront homes are prime jumbo territory. We have lenders who specialize in coastal properties and understand erosion/flood considerations.
Jumbo loans for San Diego biotech executives?
Yes! SD's biotech hub creates many high-income borrowers with stock compensation and complex income. We have jumbo lenders who count RSUs, options, and bonus income properly.
More San Diego Loan Options
Ready for Your SD Luxury Home?
From La Jolla to Rancho Santa Fe, I'll find the right jumbo loan for your dream property.