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San Jacinto sits in the Inland Empire, where prices run lower than coastal California. That means jumbo loans come up less often here than in LA or Orange County.
But they do come up. Larger parcels, custom builds, and high-end hillside properties can push purchase prices past conforming limits.
700–720 typical
Min Credit Score
10–20% minimum
Down Payment
12 months post-close
Cash Reserves
30–45 days
Est. Close Time
43% typical
Max DTI
Jumbo Loans in San Jacinto
Jumbo lenders are strict. Most want a credit score of 700 or higher, often 720. Below that, your options shrink fast.
Expect to show 12 months of reserves after closing. Lenders want proof you can carry the payment if income dips.
Local decision guide
Use this guide to connect jumbo loans eligibility, lender expectations, and local market factors before comparing payment options in San Jacinto.
San Jacinto sits in the Inland Empire, where prices run lower than coastal California. That means jumbo loans come up less often here than in LA or Orange County.
But they do come up. Larger parcels, custom builds, and high-end hillside properties can push purchase prices past conforming limits.
Jumbo lenders are strict. Most want a credit score of 700 or higher, often 720. Below that, your options shrink fast.
Jumbo loans are portfolio products. Banks and credit unions hold them on their own books instead of selling to Fannie or Freddie.
That means guidelines vary widely by lender. One bank might cap at 80% loan-to-value. Another goes to 90% with strong reserves.
In San Jacinto, jumbo buyers often also need rural or large-lot underwriting. The property itself can be the harder obstacle than the borrower's profile.
Appraisals on unique properties are tricky here. Comparable sales can be miles apart. Get your appraisal strategy locked before you make an offer.
If your loan amount falls near the conforming limit, a conventional loan almost always wins. Lower rate, easier approval, less documentation.
ARM products are worth a look on jumbo loans. A 7/1 or 10/1 ARM can cut your rate significantly if you plan to sell or refi before the fixed period ends. Rates vary by borrower profile and market conditions.
San Jacinto is close to the San Jacinto Mountains. Properties near the foothills or on large acreage often lack recent comparable sales.
As of April 2026, Riverside County's conforming loan limit determines exactly where jumbo begins. Know that number before you write an offer.
Any loan above the FHFA conforming limit for Riverside County is jumbo. Check the current limit before assuming your loan qualifies as conforming.
Most jumbo lenders want 20% down. Some go to 10% with strong credit and reserves, but those programs are harder to find.
Yes, but lenders scrutinize rural and large-lot properties closely. Appraisal and land-value limits vary by lender.
Often yes, but not always. The gap narrows when credit is strong. Rates vary by borrower profile and market conditions.
Plan for 30-45 days. Jumbo underwriting is more detailed, and appraisals on unique properties can take extra time.