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Routing #321180379

Jumbo Home Loans in San Diego 

San Diego is an amazing place to live, work and play.

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What is a jumbo home loan?

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A jumbo home loan is a mortgage in which the loan amount is higher than the conforming loan limits set by the Federal Housing Finance Agency. Each year, the Federal Housing Finance Agency determines the conforming loan limits. In 2022, the conforming loan limit for most counties in the U.S. is $647,200. For homes in San Diego County, the conforming loan limit is $879,750 in 2022. For nearby Imperial and Riverside counties, the limit is $647,200. This means any loan above these amounts is considered a jumbo loan.

Why live in San Diego?

San Diego has earned it’s reputation as a paradise for warm weather activities, boasting stunning beaches, beautiful weather and enviable city living. With all the beauty of southern California at your feet, San Diego offers the best of urban life and year-round outdoor opportunities. That includes the world-famous San Diego Zoo, the San Diego Padres baseball team, a sprawling city parks system and a bustling arts and entertainment scene. The city also serves as a hub for the United States Navy, as well as biotech and healthcare industries. San Diego is also home to one of the busiest international land border crossings in the world, sharing a border with Tijuana, Mexico.

Why First Tech?

First Tech has been helping members with home lending in the San Diego area for more than 30 years. Our Mortgage Loan Officers know the unique housing markets of National City, Chula Vista, La Mesa, Encinitas and the entire San Diego area. Speak with us to learn more about your home loan options, including jumbo mortgages. Or if you’re ready to see how much you may qualify for, submit a pre-qualification request today.

Featured loan

Jumbo 7/1 Adjustable Rate Mortgage – Purchase in San Diego County, CA

RateThis rate is not a credit decision or a commitment to lend and your rate will depend on various factors include your type of loan, credit profile, property value, occupancy, loan size, etc. Rates and product availability may also vary based on the State or region in which your financed property is located. Offer is subject to normal credit qualification. Rates are updated once per day on our website; however, pricing is subject to change once you speak to a representative. You can submit a pre-qualification request online or call 503.350.4531 to speak with one of our Mortgage Loan Officers. Membership is required and subject to approval.: 2.250%

APRAPR=Annual Percentage Rate= A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees. : 2.824%

PaymentAnnual Percentage Rates (APR) include the approximate cost of prepaid finance charges and are calculated based on a loan amount of $880,000. Scenario assumes a 20% down payment in San Diego County, CA, with an excellent credit score, 0.50% origination fee, 15 days of prepaid interest, and some third-party fees. It does not include other closing costs or points associated with the rate displayed. Actual APRs for individual loans may differ. All loan applications are subject to credit and property approval. Sample payments shown include only principal and interest. These mortgage rates are based upon a variety of assumptions and conditions some of which may include a credit score of 740 or higher. Your loans interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing. Adjustable Rate Mortgage (ARM) interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. This scenario assumes an owner-occupied purchase (refinance rates may be subject to higher interest rates) of a single family detached residence with a down payment or equity of 20%. If your down payment or equity is less than 20%, mortgage insurance will be required, which will increase the monthly payment and APR. This scenario also assumes no other loans or liens on subject property. Property and/or flood hazard insurance may be required. Maximum loan limits may apply. Additional rates and programs are available.: $3,363.77

San Diego Mortgage Loan Officers

Shirley Ho headshot image

Shirley Ho

Senior Mortgage Loan Officer
NMLS 1929209

Jan Regala headshot

Jan Regala-Freeman

Mortgage Loan Officer
NMLS 1078763

Amy Robbins  headshot

Amy Robbins

Mortgage Loan Officer
NMLS 1603570

Richard Mukhtar headshot

Richard Mukhtar

Mortgage Loan Officer
NMLS 243796

Kim Wiskosky headshot

Kim Wiskosky

Mortgage Loan Officer
NMLS 209469

 

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