Estimate your payment
Use the calculator below to estimate the monthly principal and interest payment on a jumbo loan. Adjust the loan amount, rate, and term to see how each one moves your payment.
Keep in mind that your full monthly payment also includes property taxes, homeowners insurance, and — depending on the program — mortgage insurance. For an exact, all-in payment quote based on today’s wholesale pricing, call (916) 624-0767 or start an application online.
Want an exact payment based on today's wholesale pricing? Talk to a licensed loan officer.
Estimates only. Mortgage insurance and HOA dues are not included. Your actual payment depends on your final rate, program, taxes, and insurance premiums.
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.