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Arcadia sits in the San Gabriel Valley, where luxury single-family homes routinely push well past conforming loan limits. If you're buying here, a jumbo loan isn't exotic — it's the standard tool.
The conforming loan limit for Los Angeles County is $1,249,125 for 2026. Anything above that requires jumbo financing, and Arcadia has no shortage of properties in that range.
700 (720+ preferred)
Min Credit Score
Above $1,249,125
Loan Threshold
Up to 90% (lender varies)
Max LTV
45–60 days
Typical Close Time
6–12 months post-close
Reserves Required
Jumbo Loans in Arcadia
Jumbo lenders play by stricter rules. Most want a credit score of 700 or higher, though 720+ gets you to the best pricing tiers.
Expect to document everything. W-2s, two years of tax returns, and 12 months of bank statements are typical. Lenders also want to see 6–12 months of reserves after closing.
Local decision guide
Use this guide to connect jumbo loans eligibility, lender expectations, and local market factors before comparing payment options in Arcadia.
Arcadia sits in the San Gabriel Valley, where luxury single-family homes routinely push well past conforming loan limits. If you're buying here, a jumbo loan isn't exotic — it's the standard tool.
The conforming loan limit for Los Angeles County is $1,249,125 for 2026. Anything above that requires jumbo financing, and Arcadia has no shortage of properties in that range.
Jumbo lenders play by stricter rules. Most want a credit score of 700 or higher, though 720+ gets you to the best pricing tiers.
Banks and credit unions dominate jumbo lending. But their rates and overlays vary wildly — one lender might cap at 80% LTV while another goes to 90% with no MI.
As a wholesale broker, we access jumbo programs from 200+ lenders. We're not locked into one bank's guidelines. That matters when your deal has a wrinkle — self-employed income, a non-warrantable condo, anything unusual.
Arcadia attracts a lot of buyers with complex income — business owners, investors, high earners with equity compensation. Jumbo lenders scrutinize all of it.
One thing that trips up deals here: large undocumented deposits. Jumbo underwriters will ask about every significant movement in your accounts. Clean up your bank statements 60–90 days before you apply.
An ARM can make real sense on a jumbo loan. A 7/1 or 10/1 ARM often prices 0.5–0.75% below a 30-year fixed. On a $1.5M loan, that's meaningful monthly savings.
Interest-only jumbo programs exist too. They lower your monthly payment during the draw period but don't reduce principal. That tradeoff works for some buyers — not all. Rates vary by borrower profile and market conditions.
Arcadia's buyer pool skews toward high-net-worth households, many with ties to international business. Some have assets abroad. Jumbo lenders vary on how they treat foreign asset documentation — pick the wrong lender and it stalls your deal.
Properties near Santa Anita Park or in gated hillside communities can raise appraisal questions. Jumbo lenders require full appraisals, and sometimes two. Unique or estate-style homes need comparable sales that underwriters will accept.
Loans above $1,249,125 in Los Angeles County require jumbo financing. Most Arcadia purchases in sought-after neighborhoods will cross that threshold.
Some lenders allow 10% down on jumbo loans. Expect higher rates and possibly mortgage insurance when going below 20%.
Yes, typically. Underwriting is more intensive and two appraisals are sometimes required. Budget 45–60 days to be safe.
It can, but lenders use your net income after deductions — not gross revenue. Two years of tax returns are required, and large write-offs hurt your qualifying income.
Not always. Jumbo and conforming rates have been close or even inverted at times. Rates vary by borrower profile and market conditions.
Some lenders allow it, but many require that a portion of the down payment come from your own funds. Check program guidelines before counting on gifts.