Why California Borrowers Need a Specialist
California's median home price regularly tops $800,000 statewide — and in markets like San Francisco, Silicon Valley, and Santa Monica, $1M+ is the norm. That puts most purchases in jumbo territory, requiring lenders with the right programs and underwriting experience for high-balance loans.
The state also has one of the largest self-employed workforces in the world — tech founders, entertainment professionals, and independent contractors who show inconsistent W-2 income but substantial bank deposits. Jason's bank statement loan programs were built for exactly this situation.
Whether you're buying in Los Angeles, San Diego, Sacramento, or the Bay Area, Jason works directly with you — no call centers, no handoffs — and delivers the same-day pre-approvals you need to compete in California's fast-moving housing market.
California Home Loan Options
From first-time buyers in Sacramento to investors in LA — Jason has the right program for your situation.
Conventional Loans
Conforming and non-conforming conventional financing for primary residences, second homes, and investment properties. As low as 3% down for qualifying buyers.
VA Loans
Zero-down financing for veterans and active-duty service members. No PMI, competitive rates, and no prepayment penalties.
FHA Loans
Government-backed loans with 3.5% down and flexible credit requirements. A strong option for first-time California buyers navigating a competitive market.
Jumbo Loans
California's high home prices often exceed conforming limits. Jason specializes in jumbo financing for luxury properties and high-value markets across the state.
Refinance
Rate-and-term or cash-out refinance to lower your payment, shorten your term, or access equity. Jason shops multiple lenders to find your best option.
Self-Employed Programs
Bank statement loans and alternative income documentation for California's large self-employed population — tech entrepreneurs, freelancers, and business owners.
California Mortgage Questions
Who is the best mortgage broker in California?
Jason Seibel (NMLS #171895) consistently earns Five Star Professional recognition and is trusted by California buyers, investors, and self-employed borrowers. With 20+ years of experience and direct personal service — no call centers, no handoffs — Jason delivers results that big banks simply can't match.
What is the conforming loan limit in California?
In most California counties, the conforming loan limit is $766,550 for 2024. However, high-cost counties like Los Angeles, San Francisco, San Diego, and the Bay Area can have limits up to $1,149,825. Loans above these limits require jumbo financing — an area where Jason has deep expertise.
Can self-employed borrowers get a mortgage in California?
Yes. California has one of the largest self-employed workforces in the country, particularly in tech and entertainment. Jason offers bank statement loan programs using 12–24 months of deposits to document income — ideal for founders, freelancers, and business owners who don't show traditional W-2 income.
How fast can I get pre-approved for a California home loan?
Jason typically delivers pre-approval letters within the same business day. In California's fast-moving markets — especially the Bay Area, LA, and San Diego — speed matters. A solid pre-approval from a licensed broker gives you a significant edge over other buyers.
Ready for Your California Home Loan?
Contact Jason directly. No bots, no runaround — real answers about your California mortgage options, usually within hours.