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Corte Madera sits in Marin County — one of the most expensive real estate markets in California. Most homes here blow past conforming loan limits without breaking a sweat.
A jumbo loan covers anything above the FHFA conforming limit. In Marin, that threshold gets crossed on a routine purchase, not a luxury splurge.
700 (720+ preferred)
Min Credit Score
FHFA Conforming Limit
Starts Above
10–20% typical
Down Payment
6–12 months
Reserves Required
43–45% max
DTI Cap
Jumbo Loans in Corte Madera
Jumbo loans have tighter standards than conforming loans. Most lenders want a 700+ credit score, and 720+ gets you the best pricing.
Expect to document income thoroughly. Lenders typically require 12-24 months of bank statements or two years of W-2s and tax returns.
Local decision guide
Use this guide to connect jumbo loans eligibility, lender expectations, and local market factors before comparing payment options in Corte Madera.
Corte Madera sits in Marin County — one of the most expensive real estate markets in California. Most homes here blow past conforming loan limits without breaking a sweat.
A jumbo loan covers anything above the FHFA conforming limit. In Marin, that threshold gets crossed on a routine purchase, not a luxury splurge.
Jumbo loans have tighter standards than conforming loans. Most lenders want a 700+ credit score, and 720+ gets you the best pricing.
Not every lender does jumbo well. Big retail banks have their own overlays — rules on top of rules — that knock out solid borrowers.
We work with 200+ wholesale lenders. That means more jumbo programs, more flexibility on asset types, and better rate competition.
On a $2M loan, a 0.25% rate difference is roughly $300/month. Shopping one lender is leaving real money on the table.
Jumbo ARM products are worth a serious look in Corte Madera. If you plan to sell or refinance within 7-10 years, a fixed rate for life may cost you more. Rates vary by borrower profile and market conditions.
A conforming loan tops out at the FHFA limit. In Marin County, that usually covers less than half of a typical purchase price.
Interest-only jumbo loans exist too. They reduce the monthly payment for a set period, which matters when your liquidity is tied up in equity elsewhere.
Corte Madera's location — between Tiburon and Mill Valley, with Highway 101 access — makes it a consistent seller's market. Speed matters on offers.
Appraisals on Marin County jumbo deals can be tricky. Comp selection is thin in some pockets. Choose a lender who knows how to handle that — or be prepared to negotiate the value gap.
Most jumbo lenders want 700 minimum. You'll get meaningfully better pricing at 720 or above.
Loan limits vary by lender and program. Some wholesale lenders go to $3M or higher with full documentation.
Typically yes — 10-20% is standard. Some programs allow 10% down but require strong reserves and credit.
For buyers planning to sell or refi within 7-10 years, an ARM can reduce costs meaningfully. Rates vary by borrower profile and market conditions.
Yes. Bank statement and P&L programs exist specifically for self-employed borrowers with strong revenue but complex tax returns.
A broker shops your loan across dozens of jumbo lenders at once. On a large loan, that rate competition can save you hundreds per month.