Buying a Higher-Priced Home in Folsom, El Dorado Hills, or Sacramento?

If you're looking at a home priced above $806,500 in most of California — or above $1,209,750 in higher-cost counties — a standard conventional loan won't cover it. You need a jumbo loan.

I help homebuyers across Folsom, El Dorado Hills, Roseville, and the Sacramento metro qualify for jumbo financing without the runaround big banks put you through.

Apply Now | Get Pre-Qualified | Call: 916-909-5640

Who Jumbo Loans Are For

You may need a jumbo loan if you're:

• Buying a home in El Dorado Hills, Granite Bay, or other higher-priced Sacramento metro neighborhoods

• Self-employed with a strong income but complex documentation

• An investor purchasing a higher-value property

• Refinancing a home that has appreciated above conforming limits

• Russian or Ukrainian-speaking buyer who wants clear, native-language guidance through a higher-stakes loan

Why Work With a Broker for Your Jumbo Loan

Jumbo loans don't follow Fannie Mae or Freddie Mac rules — every lender sets their own terms. That means:

• Rates vary widely between lenders

• Down payment requirements differ (some lenders accept 10%, others require 20%+)

• Debt-to-income flexibility differs lender by lender

• Asset reserve requirements vary

As your broker, I shop your file across multiple wholesale lenders to find the best fit. You apply once. I do the rest.

What You'll Need

• 10–20% down payment (some programs allow less)

• Credit score typically 700+ (some lenders go lower)

• 2 years of stable income documentation

• 6–12 months of asset reserves (varies by lender)

• Property appraisal within program limits

If you're self-employed and worry about traditional income verification, ask me about bank statement jumbo programs.

The Process — What to Expect

1. Free consultation — We talk through your goals, in English, Russian, or Ukrainian

2. Pre-qualification — Complete the 12-step questionnaire online or by phone

3. Lender shopping — I match your file to wholesale lenders with the best jumbo terms

4. Application + documentation — I walk you through everything you need

5. Underwriting and appraisal — I keep you updated weekly

6. Closing — Funds at the title company

Typical timeline: 25–40 days, depending on appraisal turnaround and lender.