Berkeley is the university city on the east shore of San Francisco Bay, famous for the UC Berkeley campus and for streets of brown-shingle and Craftsman homes that climb from the flats into the Berkeley Hills. We help Berkeley buyers, homeowners and investors with jumbo, conventional and multi-unit financing, refinances and equity lines. Financing a higher-priced home in Berkeley usually means a jumbo loan, and the difference between lenders on a jumbo file can be significant in both rate and flexibility. As a broker, we shop your jumbo loan across banks, credit unions and non-bank lenders and present the best fit in writing.
Call Pacific National Lending for jumbo loans in Berkeley: (916) 526-2700
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Berkeley is one of the most competitive markets in the Bay Area, with homes commonly selling far above list price, so buyers need a fully underwritten pre-approval and a lender who can close fast with few contingencies. Most homes are close to a century old, which puts foundations, seismic work and appraisal condition in play, and duplexes, backyard cottages and rent-controlled multi-unit buildings each have their own financing rules. Jumbo pricing in Berkeley depends on loan amount, credit score, down payment, reserves and property type. We show you how a slightly larger down payment or a different loan structure changes the rate, and we can sometimes split financing into a conforming first and a second loan to save money.
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Housing includes brown-shingle and Craftsman homes in Elmwood, Claremont and North Berkeley, period-revival homes in Thousand Oaks, bungalows in Westbrae and South and West Berkeley, view homes in the Berkeley Hills, and condos near downtown and campus. Our jumbo process in Berkeley starts with a detailed review of income and assets, because jumbo underwriting asks more questions. A fully underwritten pre-approval from PNL gives listing agents confidence that a large loan will actually close, which matters in competitive offers.
To price a jumbo loan for your Berkeley purchase or refinance, call (916) 526-2700 or apply online. We will compare programs across our lender network and show you rates, costs and structures side by side.
Our jumbo loans clients in Berkeley come from Elmwood, Claremont, North Berkeley, Berkeley Hills and every other part of the East Bay. Berkeley is about an hour and forty minutes from our Gold River office via I-80.
For jumbo loans in Berkeley, call Pacific National Lending at (916) 526-2700 or use the secure application on this page. A licensed loan officer will follow up within one business day.
Apply HereLearn more about the program itself: Jumbo Loans · All loan options · Purchase · Refinance · Today's rates
Area photo: "Sather Tower from Memorial Glade" by Coolcaesar, CC BY-SA 4.0.
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