Question 1

What credit score do I need for a jumbo loan in Irvine?

Accepted Answer

Most lenders require 700 or higher. Below that, options narrow and rates climb.

Question 2

How much can I borrow with a jumbo loan?

Accepted Answer

Many lenders go to $3M or beyond with the right profile. Loan size depends on income, reserves, and credit.

Question 3

Do jumbo loans require a larger down payment?

Accepted Answer

Typically 10–20% down. Some lenders offer 10% down with strong credit and reserves.

Question 4

Can I use RSU income to qualify for a jumbo loan in Irvine?

Accepted Answer

Yes, but the lender must know how to underwrite it. Not every lender handles RSUs the same way.

Question 5

Is a fixed or adjustable rate better on a jumbo loan?

Accepted Answer

Depends on how long you plan to stay. A 10/1 ARM can offer meaningful savings if you move or refinance within a decade.

Question 6

What reserves do jumbo lenders require?

Accepted Answer

Typically 12 months of mortgage payments in liquid assets. Some lenders require more on larger loan amounts.

Jumbo Loans in Irvine, CA — Finance Beyond Conforming Limits