Palo Alto is the birthplace of Silicon Valley, a leafy city next to Stanford University with a walkable University Avenue downtown and some of the most valuable residential streets in the country. We help Palo Alto buyers and homeowners with jumbo and super-jumbo purchase loans, refinances and equity financing. A jumbo loan in Palo Alto is any mortgage above the conforming loan limit set annually for Santa Clara County, and it plays by different rules than a standard loan. Pacific National Lending brokers jumbo loans through multiple lenders, which means Palo Alto 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 Palo Alto: (916) 526-2700
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Palo Alto purchases routinely require loan amounts well beyond ordinary jumbo limits, and buyers are often founders, executives, physicians and professors with stock-heavy compensation or substantial assets. Qualifying on restricted stock, business income or asset-based programs takes a broker with access to many jumbo lenders, which is exactly how we work. Jumbo loans in Palo Alto 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 historic homes in Professorville, Old Palo Alto and Crescent Park, bungalows in College Terrace and Downtown North, mid-century Eichler homes in Greenmeadow and Midtown, and larger lots in Barron Park. Jumbo appraisals on Palo Alto 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 Palo Alto market, and we address valuation questions before they reach underwriting.
Self-employed jumbo borrowers in Palo Alto 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 Palo Alto, including Old Palo Alto, Professorville, Crescent Park, Midtown, and across Silicon Valley. Palo Alto is a little over two hours from our Gold River office, and we handle Silicon Valley loans entirely by phone, email and e-signature.
For jumbo loans in Palo Alto, 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: "University Avenue at Waverley Street, Palo Alto, California, April 24, 2020" by Brian Sterling, CC BY-SA 2.0.
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