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Mountain View sits at the heart of Silicon Valley. Home prices here routinely push well past conforming loan limits.
A jumbo loan covers anything above the FHFA conforming limit. In Santa Clara County, that threshold gets crossed on most single-family purchases.
700–720+
Min Credit Score
10–20%
Typical Down Payment
12 months
Reserves Required
43%
Max DTI (typical)
Fixed or ARM
Loan Type
Jumbo Loans in Mountain View
Jumbo loans require stronger financials than conforming loans. Expect lenders to want a 700+ credit score, often 720 or higher for the best rates.
Most lenders require 12 months of reserves — cash left over after closing. Debt-to-income ratios are typically capped at 43%, sometimes lower.
Local decision guide
Use this guide to connect jumbo loans eligibility, lender expectations, and local market factors before comparing payment options in Mountain View.
Mountain View sits at the heart of Silicon Valley. Home prices here routinely push well past conforming loan limits.
A jumbo loan covers anything above the FHFA conforming limit. In Santa Clara County, that threshold gets crossed on most single-family purchases.
Jumbo loans require stronger financials than conforming loans. Expect lenders to want a 700+ credit score, often 720 or higher for the best rates.
Not every lender does jumbo well. Big banks have rigid overlays. Wholesale lenders often offer more flexibility on loan structure and pricing.
As a broker with access to 200+ wholesale lenders, we shop programs that retail banks never see. That matters when your loan is $2M+.
Tech employees in Mountain View often have complex income — RSUs, bonuses, equity. Many lenders can't handle that. We work with lenders who can.
Don't assume your W-2 income tells the whole story. RSU vesting schedules can boost your qualifying income significantly when documented correctly.
A conforming loan tops out at the FHFA limit. Above that, you're in jumbo territory with different rules, different lenders, and different pricing.
ARMs are popular on jumbo loans in Mountain View. A 7/1 or 10/1 ARM can lower your rate significantly versus a 30-year fixed. Rates vary by borrower profile and market conditions.
Mountain View's proximity to Google, LinkedIn, and other major employers means buyer profiles skew toward high earners with stock-heavy compensation.
Appraisals can be tricky in fast-moving Santa Clara County. Low comps can kill a deal. We order appraisals through lenders with strong local appraiser networks.
Jumbo loans start above the FHFA conforming limit, which changes annually. Any loan amount exceeding that cap requires jumbo financing.
Yes, but lenders want to see a 2-year vesting history and continued grants. Not every lender handles RSU income well — lender selection matters.
Most jumbo programs start at 10% down. Putting down 20% avoids mortgage insurance and usually gets better pricing.
Not always. Jumbo and conforming rates have converged in recent years. Rates vary by borrower profile and market conditions.
Most lenders want 700 minimum. To access the best rates and highest loan amounts, aim for 720 or above.
Yes. A 7/1 or 10/1 ARM is common on jumbo loans here. It works well if you plan to sell or refinance before the fixed period ends.