Hawaii and California Jumbo Loans

Pacific Home Loans offers one of the largest selections of Hawaii and California Jumbo loans available.

Our Hawaii and California Jumbo loans are available for owner occupants, second homeowners or investors shopping for loans greater than $970,800 throughout Hawaii and $647,200 in most California counties. You have the choice of a fixed or adjustable rate.

PHL In-House Funded Jumbo Loans

Offering some of the most competitive Jumbo rates in Hawaii and California!
For Primary and Second Homes:

  • loans amounts up to $3,000,000 with 15% down

For Investors:

  • loan amounts up to $1,250,000 with 20% down
  • loan amounts up to $2,000,000 with 30% down

Loan Limits and Down Payment Requirements

Portfolio Jumbo Loans

Full-income verification up to $10,000,000

Loan Limits and Down Payment Requirements

VA Jumbo Loans

Loans up to $2,500,000*

No monthly mortgage insurance (PMI)

Discounted interest rates

Flexible underwriting

No minimum down payment requirement

Alternative Document Jumbo Loans*

Primary Residence and Second Home (no tax returns) up to $3,000,000

Asset Based Lending up to $5,000,000 (use liquid assets and or the equity in your real estate owned to qualify)

Bank Statement up to $5,000,000 (self-employed – qualify based on the deposits from personal or business bank statements)

Investor – DSCR: Property Cash Flow Loan up to $5,000,000

Investor – Private Money Quick Closings up to $5,000,000

*higher loan amounts may be available on a case by case basis.