Step-by-step guide
Getting a jumbo loan is simpler than most people expect when you have the right team. Here’s the exact process CDL Mortgage walks every borrower through, from the first conversation to funding day.
Jumbo home loans in California, Texas, Georgia, Tennessee, Oklahoma, and Idaho for financing above conforming limits. Competitive rates on high-value and luxury properties, with flexible terms from CDL Mortgage’s experienced loan officers.
The Process
Review your credit report and settle on a comfortable monthly payment before you apply. Competitive financing above conforming loan limits. We’ll tell you exactly where you stand — and how to improve your pricing — in a free 15-minute call.
Typical items include photo ID, recent pay stubs or income documentation, bank statements, and two years of tax returns where applicable. Your loan officer sends a short checklist tailored to your jumbo loan.
We verify your income, credit, and assets up front so your pre-approval actually holds up in underwriting. A solid pre-approval is the single biggest factor in a smooth, on-time closing.
As an independent broker, CDL Mortgage shops multiple wholesale lenders on every jumbo loan — you see the best pricing across the market, not one bank’s rate sheet.
We submit your full file, order the appraisal when required, and clear any underwriter conditions for you. You’ll always know exactly where your loan stands.
Sign your final documents with a notary or at the title company, and your loan funds. Most files close in 21–30 days — often faster.
Questions
A jumbo loan is a mortgage that exceeds the conforming loan limit set for your county. Because they can’t be sold to Fannie Mae or Freddie Mac, jumbo loans have their own underwriting guidelines — and CDL Mortgage works with lenders who specialize in them.
Jumbo loans typically require stronger credit than conforming loans — often a score of 700 or higher — along with lower debt-to-income ratios and documented reserves. We’ll review your profile and match you to the right jumbo program.
Down payment requirements vary by lender and loan size, but many jumbo programs start around 10% to 20% down. Larger down payments often unlock better rates and terms.
Not always. In many markets jumbo rates are very competitive with — and occasionally lower than — conforming rates, because jumbo borrowers tend to be strong credit risks. We’ll shop multiple investors to find your best pricing.
Yes. Jumbo financing is available for primary residences, second homes, and investment properties, though guidelines and down payment requirements differ by occupancy. Ask us about your specific scenario.
About Us
CDL Mortgage Services Inc. is an independent, full-service mortgage company. Instead of pushing one bank’s products, we shop multiple wholesale lenders to secure the best loan at the best rate for every borrower.
Purchase, refinance, and home equity — all under one roof, focused on the best loans at the best rates.
Based at 6524 Lonetree Blvd, Rocklin, CA 95765 and licensed in California, Texas, Georgia, Tennessee, Oklahoma & Idaho.
Every file is handled start-to-finish by a licensed loan officer who knows your name and your goals.
Fully licensed and regulated, with award-winning lender partnerships and 35+ years serving borrowers.