Jumbo Home Loans in Sacramento, Placer and El Dorado Counties
Buying in Granite Bay, El Dorado Hills or East Sacramento? The price often runs past the conforming loan limit. That's where a jumbo loan comes in.
I'm Chris Kennedy, a Sacramento mortgage broker and Navy veteran. My team at Reliant Lending helps buyers across the greater Sacramento region finance higher priced homes.
What is a jumbo loan?
A jumbo loan is a mortgage above the conforming loan limit. Fannie Mae and Freddie Mac can't buy loans above that limit. So each jumbo lender sets its own rules.
2026 loan limit in Sacramento, Placer and El Dorado counties
For 2026, the conforming limit for a one unit home in all three counties is $832,750. Borrow more than that and you're in jumbo territory.
Limits for 2 to 4 unit properties are higher. Ask us for the number that fits your property.
Where we see jumbo loans most
- Granite Bay and Loomis
- El Dorado Hills and Serrano
- Folsom
- East Sacramento and Land Park
- Fair Oaks and Carmichael
- Roseville and Rocklin
What lenders look at
Jumbo guidelines are usually stricter than conforming loans. Most lenders look closely at:
- Your down payment
- Cash reserves left after closing
- Credit history
- Debt to income ratio
- Full income documentation
Every lender sets its own rules. As a broker, we can compare more than one.
Jumbo loans for doctors and self employed buyers
Physicians and dentists often buy above the conforming limit. Self employed buyers may qualify with bank statement options. We'll walk you through what fits your situation.
Jumbo or a bigger down payment?
Sometimes putting more down keeps your loan at or under $832,750. That means a conforming loan with different guidelines. We'll run it both ways so you can compare before you write an offer.
Common questions
What is the jumbo loan limit in Sacramento for 2026?
Any loan above $832,750 on a one unit home in Sacramento, Placer or El Dorado County is a jumbo loan in 2026.
How much do I need to put down on a jumbo loan?
It depends on the lender, the loan size and your credit. Jumbo loans usually need more down than conforming loans. Call us and we'll give you real numbers for your situation.
Can I use a jumbo loan for a second home or rental?
Some jumbo programs allow second homes and investment property. Guidelines are usually stricter than for a primary home.
What areas do you serve?
We serve Sacramento, Placer and El Dorado counties, including Roseville, Folsom, Elk Grove, Granite Bay and El Dorado Hills.
Talk with Chris
Book a call or call (916) 794-0777.
Chris Kennedy, NMLS #971546. Reliant Lending, NMLS #356310. 2100 Northrop Ave, Suite 900, Sacramento, CA 95825. This is not a commitment to lend. All loans are subject to credit approval and underwriting guidelines. Program terms vary.