Modesto is the Stanislaus County seat and the hub of the central San Joaquin Valley, with tree-lined older neighborhoods, the master-planned Village One community and a strong agricultural economy. We help Modesto buyers, homeowners and investors with purchase loans, refinances and rental property financing. A jumbo loan in Modesto is any mortgage above the conforming loan limit set annually for Stanislaus County, and it plays by different rules than a standard loan. Pacific National Lending brokers jumbo loans through multiple lenders, which means Modesto 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 Modesto: (916) 526-2700
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Modesto's affordability relative to the Bay Area and Sacramento draws first-time buyers, commuters and investors, and FHA, VA and conventional low-down-payment loans are all common here. Long-time homeowners frequently refinance or open HELOCs to fund improvements on older homes. Because jumbo loans are not sold to Fannie Mae or Freddie Mac, each lender sets its own guidelines. That is exactly why brokering matters in Modesto: one lender may cap the loan amount or require two appraisals while another prices the same file aggressively with a single appraisal.
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Housing ranges from 1920s to 50s homes in the College area and downtown to 1960s to 80s neighborhoods along McHenry Avenue, 1990s and 2000s subdivisions in Village One and northeast Modesto, and newer construction on the north and east edges of the city. Jumbo loans in Modesto also cover refinances, cash-out refinances and second homes. If you bought during a higher-rate period or want to access equity in a higher-value home, we compare jumbo refinance options across our lender network.
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 Modesto jumbo file so you can decide what is worth it.
We help borrowers with jumbo loans throughout Modesto, including Village One, College Area, Downtown Modesto, McHenry Avenue corridor, and across the central San Joaquin Valley. Modesto is about an hour and fifteen minutes from our Gold River office, and we handle Modesto loans by phone, email and e-signature.
For jumbo loans in Modesto, 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.
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