Davis is Yolo County's university town, home to UC Davis and one of the tightest housing markets in the Sacramento region. We help Davis buyers, homeowners and investors with purchase loans, refinances and rental property financing. A jumbo loan in Davis is any mortgage above the conforming loan limit set annually for Yolo County, and it plays by different rules than a standard loan. Pacific National Lending brokers jumbo loans through multiple lenders, which means Davis buyers see competitive jumbo rates and a range of down payment and documentation options instead of one bank's rigid program.
Call Pacific National Lending for jumbo loans in Davis: (916) 526-2700
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Inventory in Davis is chronically limited and prices run well above the county average, so buyers need strong pre-approvals and often jumbo or high-balance financing. The university also creates steady demand for investment properties and parent-assisted purchases for students. Jumbo loans in Davis typically require 10 to 20 percent down, strong credit and cash reserves after closing, though some programs allow less. Fixed-rate and adjustable-rate options are both available, and interest-only jumbo loans exist for borrowers who want payment flexibility.
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Housing includes 1950s to 70s homes in Old North and Central Davis, planned neighborhoods in South and West Davis, the Village Homes community, condos and townhomes near campus, and newer homes in North Davis and the Cannery. Jumbo appraisals on Davis properties get extra scrutiny, and custom or unique homes can be hard to value. We know which appraisers and lenders are comfortable with the higher-end Davis market, and we address valuation questions before they reach underwriting.
Many jumbo lenders offer relationship pricing when assets are moved to the institution, and some allow gift funds or lower reserves for strong borrowers. We lay out these options for every Davis jumbo file so you can decide what is worth it.
We help borrowers with jumbo loans throughout Davis, including Downtown Davis, Old North Davis, Village Homes, South Davis, and across Yolo County. Davis is about forty minutes from our Gold River office via I-80, and most Davis clients work with us by phone and secure e-signature.
Call Pacific National Lending at (916) 526-2700 or start your application online. We will review your goals, explain your options in plain English and give you real numbers for jumbo loans in Davis.
Apply HereLearn more about the program itself: Jumbo Loans · All loan options · Purchase · Refinance · Today's rates
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