Residential
Super Jumbo Mortgages in Riverside, CA
Riverside homebuyers trust Custom Mortgage for their Super Jumbo Mortgages needs. With deep knowledge of the local market, from Arlington to Downtown Riverside, we provide tailored solutions with rates as low as 6.875%.
Key Facts About Super Jumbo Mortgages
CMRE Jumbo loans finance properties above the conforming loan limit.
Jumbo loans from CMRE offer loan amounts up to $10 million.
CMRE Jumbo mortgages require a minimum FICO score of 680.
Jumbo loans at CMRE accept down payments starting at 10%.
CMRE Jumbo programs include fixed-rate, ARM, and interest-only options.
CMRE Super Jumbo Mortgages offers competitive rates for qualified borrowers.
CMRE processes Super Jumbo Mortgages in 21-30 days from application.
CMRE offers cross-collateral options for Super Jumbo Mortgages.
Program Benefits
Financing available for properties exceeding conventional loan limits.
Competitive interest rates starting at 6.875% for qualified borrowers.
Flexible qualification requirements, expanding access to luxury homeownership.
Personalized service from experienced mortgage professionals.
Streamlined application and approval process for a smooth transaction.
Access to a variety of loan options tailored to your unique financial situation.
Program Highlights
Max LTV
97%
Min Credit Score
620
Max DTI
43%
Loan Amount Range
$726,201+
Amortization Options
Eligible Properties
- Single Family Residence
- Condominiums
- Townhouses
- Multi-Family (1-4 Units)
Program Requirements
Income Documentation
- •Stable and verifiable income history required.
- •Sufficient income to cover mortgage payments, property taxes, and insurance.
- •Documentation such as pay stubs, W-2s, and tax returns may be required.
- •Self-employed borrowers may need to provide additional documentation.
Asset Verification
- •Sufficient assets to cover down payment, closing costs, and reserves.
- •Verification of assets through bank statements and investment account statements.
- •Reserves typically required to cover several months of mortgage payments.
- •Acceptable asset types include savings accounts, checking accounts, and investment accounts.
Insurance & Title
- •Homeowner's insurance required to protect the property against damage or loss.
- •Flood insurance may be required if the property is located in a flood zone.
- •Mortgage insurance may be required depending on the loan-to-value ratio.
- •Proof of adequate insurance coverage required prior to closing.
Property Requirements
- •Minimum FICO score of 620 required for eligibility.
- •Good credit history with minimal delinquencies or derogatory marks.
- •Credit report reviewed to assess creditworthiness and identify potential risks.
- •Lower scores may require higher down payments or interest rates.
Super Jumbo Mortgages in Riverside: The Complete Guide
What Is Super Jumbo Mortgages?
A Super Jumbo Mortgage is a loan that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. These loans are designed for borrowers who are purchasing high-value properties and require larger financing amounts. Because they are not backed by government-sponsored enterprises, Super Jumbo Mortgages often have different qualification requirements and interest rates.
Who Qualifies for Super Jumbo Mortgages?
- •Income documentation varies: W-2, 1-Year Tax Return (Freddie Mac), bank statement, VOE-only, or P&L options available through CMRE.
- •Credit requirements depend on specific Super Jumbo Mortgages guidelines — CMRE evaluates your full profile.
- •Down payment assistance programs can be combined with Super Jumbo Mortgages for eligible borrowers.
- •Cross-collateral options: leverage existing property equity to reduce your down payment.
Super Jumbo Mortgages vs. Other Options
- •CMRE compares Super Jumbo Mortgages against FHA, VA, and other residential programs to find lowest total cost.
- •Factors: credit score, down payment, self-employment status, property type, ownership period.
- •For self-employed: CMRE's VOE-only and P&L programs may provide better qualification.
- •CMRE runs multiple scenarios and recommends the program with best long-term value.
Apply for Super Jumbo Mortgages with CMRE
- •Step 1: Pre-qualification online, by phone, or via Instant Advisor.
- •Step 2: Pre-approval with documentation — issued within 24 hours.
- •Step 3: Property search — CMRE coordinates with your agent.
- •Step 4: Processing and underwriting in 14-21 days.
- •Step 5: Closing in 21-30 days total from application.
Current Mortgage Rates
30-Year Fixed Rate
6%
as of 3/5/2026 · FRED
15-Year Fixed Rate
5.43%
as of 3/5/2026 · FRED
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Super Jumbo Mortgages in Riverside, CA
Riverside County mortgage lending. FHA, VA, conventional and Non-QM programs for the Inland Empire. Custom Mortgage & Real Estate specializes in providing high-fidelity Super Jumbo Mortgages solutions tailored to the unique economic landscape of Riverside and the surrounding Riverside County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireRiverside metropolitan area.
Service Areas & Neighborhoods
Our Riverside Presence
Local Knowledge. Global Rates.
16501 Ventura Blvd STE 400
Encino, CA 91436
Direct Line
877-976-5669Common Questions About Super Jumbo Mortgages in Riverside
What are current Super Jumbo Mortgages rates in Riverside, CA?
Super Jumbo Mortgages rates in Riverside depend on loan amount, credit profile, and property type. CMRE publishes updated Riverside rate ranges daily and provides locked quotes within 24 hours of application.
How long does Super Jumbo Mortgages closing take in Riverside?
CMRE typically closes Super Jumbo Mortgages loans in Riverside within 21-30 days from application. Pre-approval takes 24 hours, and our CA-licensed team coordinates title, escrow, and appraisal concurrently to save time.
What Riverside neighborhoods qualify for Super Jumbo Mortgages?
All residential neighborhoods in Riverside and Riverside County qualify for Super Jumbo Mortgages through CMRE. Single-family homes, condos, townhomes, and 2-4 unit properties are eligible. Our local team can advise on specific HOA or condo project approval requirements.
Does CMRE offer first-time buyer programs in Riverside?
Yes. CMRE offers first-time homebuyer programs in Riverside including down payment assistance, 3% down conventional, and FHA 3.5% options. CA residents may also qualify for state-specific grants and bond programs.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
The minimum down payment for a Super Jumbo Mortgage can vary depending on the lender, loan amount, and borrower qualifications. In some cases, down payments as low as 3% may be available for qualified borrowers.
Interest rates for Super Jumbo Mortgages are typically competitive and reflect current market conditions. CMRE offers rates starting at 6.875%, but the specific rate you receive will depend on factors such as your credit score, loan amount, and loan-to-value ratio.
Yes, Super Jumbo Mortgages can be used to refinance existing mortgages on high-value properties. Refinancing can help you lower your interest rate, shorten your loan term, or access equity in your home.
Super Jumbo Mortgages can be used to finance a variety of properties, including single-family homes, condominiums, townhouses, and multi-family properties (1-4 units).
Requirements vary. CMRE offers options as low as 3% for qualified borrowers and cross-collateral options that use existing property equity.
Yes. CMRE offers 1-Year Tax Return (Freddie Mac), bank statement, P&L, and VOE-only programs for self-employed.
CMRE typically closes in 21-30 days. Pre-approval within 24 hours.
Depends on program. CMRE also offers DSCR and bank statement investment-specific programs.
Super Jumbo Mortgages by Location
Get local rates, loan limits, and market data for Super Jumbo Mortgages in your area.
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View county-level market data, loan limits, and mortgage rates on our territory pages.
Browse All Territories →TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
