Competitive financing above conforming loan limits
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.
Why CDL
CDL Mortgage Services Inc. is a full-service mortgage company focused on securing the best loans at the best rates. As an independent broker, we aren’t tied to one bank’s products — we shop multiple wholesale lenders for every jumbo loan to find the strongest pricing for your scenario.
Every file is handled start-to-finish by a licensed loan officer, not a call center. From fast pre-approval through underwriting and closing, you’ll always know exactly where your loan stands.
Requirements
General guidelines — final qualification depends on the lender, property, and your full financial profile.
Calculator
Estimates only. Mortgage insurance and HOA dues are not included. Your actual payment depends on your final rate, program, taxes, and insurance premiums.
How It Works
A jumbo loan exceeds the conforming loan limit for your county, so it cannot be sold to Fannie Mae or Freddie Mac. Pricing and guidelines are set by the individual investor, which makes lender selection the single biggest factor in your outcome.
We check your county conforming and high-balance limits first — sometimes a small structure change keeps you out of jumbo pricing.
Expect a fuller file: two years of returns, extended asset history, and reserves after closing.
Commonly 10–20% down depending on loan size, with post-closing reserves measured in months of payments.
Larger loans may require a second appraisal or a desk review to support value.
Jumbo guidelines vary widely between investors. We place your file where your specific profile prices best.
We manage conditions aggressively so a large, document-heavy file still closes on your contract timeline.
Your Options
High-balance financing rewards structure. These are the levers that move your payment and approval odds.
Honest Advice
Jumbo declines are usually structural, not personal. These are the factors that decide the outcome.
Documented post-closing reserves are the single most persuasive item in a jumbo file.
Stable, well-documented income at a large loan size opens the best pricing tiers.
At 740+ the pricing spread between investors is significant — shopping pays real money.
K-1s, RSUs and multi-entity income need careful presentation. Done wrong, it looks like a decline.
Rural acreage, non-warrantable condos and unusual homes narrow the investor list. We identify that early.
If you are barely into jumbo territory, a piggyback structure often costs less. We run both.
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.
Find jumbo loans details for your city or county below.
Ready when you are
Same-day pre-approvals, dozens of wholesale lenders shopped for you, and one licensed loan officer from application to keys in hand.