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San Juan Capistrano sits in one of Orange County's most coveted corridors. Equestrian estates, canyon-view properties, and coastal-adjacent homes here routinely push past conforming loan limits.
Conforming limits cap out around $1,249,125 in Orange County. Anything above that requires a jumbo loan — and most serious buyers in SJC need one.
~$1,249,125
Orange County Conforming Limit
720+
Preferred Credit Score
10–20%
Min Down Payment
12 months
Reserves Required
Up to $5M+
Max Loan (varies by lender)
Jumbo Loans in San Juan Capistrano
Jumbo lenders are strict. Most want a 700+ credit score, and many prefer 720 or higher for the best pricing.
Expect to show 12 months of reserves after closing. Debt-to-income ratios typically need to stay under 43%, sometimes lower depending on the lender.
Local decision guide
Use this guide to connect jumbo loans eligibility, lender expectations, and local market factors before comparing payment options in San Juan Capistrano.
San Juan Capistrano sits in one of Orange County's most coveted corridors. Equestrian estates, canyon-view properties, and coastal-adjacent homes here routinely push past conforming loan limits.
Conforming limits cap out around $1,249,125 in Orange County. Anything above that requires a jumbo loan — and most serious buyers in SJC need one.
Jumbo lenders are strict. Most want a 700+ credit score, and many prefer 720 or higher for the best pricing.
Big banks don't own the jumbo market — wholesale lenders often beat them on rate and flexibility. That's why shopping across 200+ lenders matters here.
Jumbo guidelines vary dramatically between lenders. One lender caps at $2M, another goes to $5M. Loan size, property type, and your asset profile all shift which lenders compete for your deal.
Jumbo loans don't get sold to Fannie Mae or Freddie Mac. Lenders hold them on their own books — so their internal risk appetite drives the rules.
Equestrian zoning and mixed-use properties in SJC can complicate jumbo approvals. Get your appraisal strategy right before you write an offer.
If your loan amount falls close to the conforming limit, a conforming loan will almost always get you a lower rate. Jumbo pricing carries a premium.
ARMs are popular in the jumbo space — a 7/1 or 10/1 ARM can cut your rate meaningfully versus a 30-year fixed. Many SJC buyers hold properties longer than that, so know the tradeoff.
San Juan Capistrano has a mix of zoning types — historic districts, agricultural preserves, and standard residential. Each affects how lenders value the collateral.
Larger lot properties and working ranches may require specialized appraisers. Not every jumbo lender is set up to handle non-standard collateral in SJC.
Most jumbo lenders want 10–20% down. Properties over $2M often require 20% or more.
Yes, but not all lenders will touch it. Equestrian and ag-zoned properties need lenders experienced with rural collateral.
Generally yes. Jumbo loans carry a rate premium. Rates vary by borrower profile and market conditions.
Most lenders require 6–12 months of mortgage payments in reserves after closing. Higher loan amounts push that number up.
Yes. Jumbo ARMs — like 7/1 or 10/1 products — are common and often price better than 30-year fixed jumbo loans.
Most lenders start at 700. To get the best pricing, aim for 720 or higher.