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La Habra sits at the edge of Orange County, where prices push past conforming limits faster than buyers expect.
A jumbo loan kicks in when your loan amount exceeds the FHFA conforming limit. In Orange County, that threshold matters on a lot of deals.
700–720 typical
Min Credit Score
10–20% min
Down Payment
6–12 months
Cash Reserves
Fixed or ARM
Rate Type
30–45 days
Avg Close Time
Jumbo Loans in La Habra
Jumbo lenders want a credit score of 700 or higher. Some go to 680, but expect stricter terms below 720.
Plan for at least 10-20% down. Most lenders also want 6-12 months of cash 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 La Habra.
La Habra sits at the edge of Orange County, where prices push past conforming limits faster than buyers expect.
A jumbo loan kicks in when your loan amount exceeds the FHFA conforming limit. In Orange County, that threshold matters on a lot of deals.
Jumbo lenders want a credit score of 700 or higher. Some go to 680, but expect stricter terms below 720.
Jumbo loans aren't sold to Fannie Mae or Freddie Mac. Each lender sets its own rules. That variance is significant.
We work with 200+ wholesale lenders. On jumbo deals, that access makes a real difference in rate and terms.
Jumbo underwriting is manual. The file gets a real human review. Weak spots get flagged — prepare for that.
Self-employed borrowers face extra scrutiny. Two years of tax returns plus a CPA letter is the baseline, not the exception.
If your loan amount is close to the conforming limit, a conforming loan is worth the extra down payment. The rate gap is real.
ARMs are popular on jumbo loans. A 7/1 or 10/1 ARM can cut your rate if you're not planning to hold 30 years.
La Habra borders Whittier and Brea. Prices here run lower than coastal OC, but upper-end homes still cross jumbo thresholds.
Buyers moving from coastal cities often find La Habra a value play. That can mean larger loan amounts relative to income.
Any loan above the FHFA conforming limit for the year triggers jumbo. Check the current limit before assuming your loan type.
Yes, some lenders allow 10% down on jumbo loans. Expect a higher rate and stricter reserve requirements at that down payment level.
Most jumbo lenders don't require PMI. They manage risk through larger down payments and stricter credit requirements instead.
Usually yes, but the gap varies by lender. Rates vary by borrower profile and market conditions — shop multiple lenders.
Yes, but it's more work. Lenders want two years of returns, a CPA letter, and consistent income — no sharp year-over-year drops.
Manual review adds time. Budget 30-45 days. Complex files with multiple income sources or large assets can run longer.