Livermore is the easternmost city in the Tri-Valley, home to one of California's oldest wine regions, two national laboratories and a lively downtown along First Street. We help Livermore buyers and homeowners with conventional, jumbo, FHA and VA financing, refinances and equity lines. Financing a higher-priced home in Livermore 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 Livermore: (916) 526-2700
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Livermore offers a little more value than Pleasanton and Dublin, which attracts first-time and move-up buyers, laboratory scientists and engineers, and commuters who want to stay on the Bay Area side of the Altamont Pass. Most loans are high-balance conforming or jumbo, and the vineyard estates of South Livermore call for experience with larger lots and custom homes. Jumbo loans in Livermore 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 early-1900s homes near downtown, 1950s to 70s neighborhoods such as the Jensen Tract, Sunset and Springtown, 1990s-and-newer subdivisions on the south and north sides, and custom homes among the vineyards of South Livermore. Jumbo appraisals on Livermore 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 Livermore market, and we address valuation questions before they reach underwriting.
Self-employed jumbo borrowers in Livermore can often qualify with bank-statement programs that use 12 or 24 months of deposits instead of tax returns, or with asset-depletion programs that qualify on liquid assets. We know which lenders offer these and at what cost.
We help borrowers with jumbo loans throughout Livermore, including Downtown Livermore, South Livermore, Springtown, Sunset, and across the Tri-Valley. Livermore is about an hour and a half from our Gold River office via I-5 and I-580.
Ready to talk about jumbo loans in Livermore? Call (916) 526-2700 or apply online in a few minutes. There is no credit pull at the first step and no obligation.
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