California Jumbo Refinance & Cash-Out
The Bay Area real estate market demands specialized refinance expertise. From tech compensation structures to property tax implications, understanding local nuances is critical for optimal refinance outcomes.
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Check California jumbo rates
Real-time rate comparisons updated daily. Enter your scenario to see current wholesale pricing for California refinance loans.
What counts as a jumbo loan in California?
A one-unit mortgage in California is jumbo when the new loan amount is above the FHFA conforming limit for that county. For 2026, 41 counties are at the baseline of $832,750. Ten counties are at the $1,249,125 ceiling: Alameda, Contra Costa, Los Angeles, Marin, Orange, San Benito, San Francisco, San Mateo, Santa Clara, and Santa Cruz. Monterey, Napa, San Diego, San Luis Obispo, Santa Barbara, Sonoma, and Ventura fall between those two figures. See every California county, including 2- to 4-unit limits. The same test applies to a jumbo cash-out refinance.
Who we help
- Bay Area homeowners with $1M–$3M homes
- RSU and bonus income borrowers
- Self-employed borrowers
- High-equity owners considering cash-out refinance
What we look at
California jumbo refinances require strategic planning, proper documentation, and lender expertise. Don't waste time with retail banks that don't understand complex income scenarios.
The conforming loan limit for your county is published each year by the FHFA: FHFA conforming loan limits.
Typical documents
Recent pay stubs and W-2s or tax returns, bank and asset statements, photo ID, proof of any other income, and information about your debts. For self-employed borrowers or those with RSU income, additional documentation may be required.
Timeline
Many refinances close in 21–30 days; complex scenarios may take 30–45 days.
California jumbo refi FAQ
What is the 2026 conforming loan limit in California?
It depends on the county. For one-unit properties in 2026, 41 California counties are at the $832,750 baseline. Ten are at the $1,249,125 ceiling: Alameda, Contra Costa, Los Angeles, Marin, Orange, San Benito, San Francisco, San Mateo, Santa Clara, and Santa Cruz. Monterey, Napa, San Diego, San Luis Obispo, Santa Barbara, Sonoma, and Ventura are between those amounts. See every county.
Can RSU income count?
Often yes, if properly documented and you have a track record of receiving similar income. We'll review your vesting history.
How long does a jumbo refinance take?
Many refinances close in 21–30 days. Complex scenarios involving multiple properties, self-employment income, or asset depletion may take 30–45 days.
Should I refinance?
Refinancing isn't always the right move—it depends on your goals, timeline, and current loan structure. We analyze your break-even point, closing costs, and long-term savings to ensure refinancing delivers real value. If it doesn't make sense, we'll tell you.
Related: jumbo cash-out refinance · 2026 loan limits · jumbo refinance overview · Hawaii.