What Are the Jumbo Mortgage Loans in Southern California?

BD Nationwide is a Southern California Mortgage Banker that provides jumbo mortgages with refinance or home purchase loans to homeowners from San Diego and Los Angeles. Find out why California residents are taking advantage of our unique jumbo loan programs that is designed to ease the burden of high cost adjustable rate mortgages. California borrowers are blessed with great weather and a strong economy, but that has caused homes to become almost unaffordable. FHA mortgage loan limits have increased in Southern California to $729,750 and if that is not enough for your refinancing endeavors, consider our jumbo refinance loans. Jumbo rates range from 6 to 7.25% depending on whether you are looking for a hybrid or a fixed 15, 30 year loan.

Low Rate Jumbo Home Loans from $417,000 to $3,000,000

Our non-conforming lending division is excited about the fixed rate jumbos and the option arm that gives So-Cal borrowers even more purchase power because it keep your minimum mortgage payments low for the first five years with the negative amortization option. More conservative homeowners may want to select the fixed rate payment or the interest only option. The good news is that the choice is in the homeowner’s hands to choose if they want a traditional mortgage loan or the exotic pick a payment loan offered with a (see lender) start rate.

Convert your adjustable rate loans to a fixed mortgage with reduced monthly payments.

  • Jumbo Loans to 3 Million
  • 100% Home Refinancing
  • Fixed Rate Refinance
  • Interest Only Payments
  • 95% Cash Out with FHA
  • California Home Loans

Southern California Refinancing Tips: FHA Insures High Balance Loans

With conventional mortgage loans having tightened lending guidelines so much, many Southern California homeowners have turned to FHA home mortgages for a refinancing solutions because FHA lenders offer competitive low interest rates and very little equity is required. So-Cal Homeowners can get cash out up to 95% when refinancing their mortgage. Our California mortgage lenders provide discounted refinance rates to qualified applicants who meet the FHA guidelines. The Housing of Urban Development raised the California mortgage maximum limits for 2013 and the loan changes can be seen below by county.

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Check for Home Equity Interest Rates for your region. – Second mortgage loans are still popular because they enable you to access cash using the equity in your home. Choose from interest only HELOC’s to fixed rate equity loans. Lock the rate of your HELOC credit line and get a mortgage refinance or an equity loan with a fixed payment each month.

Mortgage NEWS

The National Association of Realtors (NAR) reports that the decline in the sales rate has led to a growing inventory of unsold existing homes, reaching 3.92 million units in August—the highest supply since April 1993. This trend extends to new home sales as well. Reflecting rising builder concerns about the market for new single-family homes, the National Association of Home Builders/Wells Fargo Housing Market Index (HMI) marked its eighth consecutive monthly decline, reaching the lowest level since February 1991. The HMI relies on a monthly survey of home builders conducted by the National Association of Home Builders (NAHB) for over 16 years.

Despite many builders offering substantial incentives to boost sales, potential buyers are adopting a wait-and-see approach due to market uncertainties, says NAHB Chief Economist David Seiders. Thirty-year fixed-rate mortgages (FRMs) have fallen to their lowest levels since early March, with the benchmark loan experiencing an eleven-basis-point drop to 6.39% in the nation’s primary mortgage price survey. At 6.10%, five-one Hybrid ARMs (adjustable-rate mortgages) are becoming increasingly viable options for both purchases and refinances.

While mortgage interest rates are decreasing, home sales in San Diego, Orange County, Los Angeles, Santa Barbara, and overall California are on the decline, presenting potential opportunities for homebuyers. This trend opens the door to improved Southern California home financing options. Despite this, the median home prices in California still surpass the 2024 conforming loan limits of $725,000, requiring homebuyers to secure jumbo home loans.

Given California’s housing prices, the 80-20 home mortgage, a no-money-down home loan, has gained popularity. This option allows buyers without sufficient cash reserves for a 20% down payment to purchase a house while avoiding costly private mortgage insurance (PMI). Available as both conforming and jumbo mortgage loans, the 80-20 mortgage loans offer various terms, including fixed interest rate, adjustable rate, interest-only, and option ARM, enhancing purchasing power and making homeownership in California more affordable.