Super Jumbo Loans
Portfolio bank financing for Irvine and Orange County's largest homes, with 5, 7 or 10-year fixed periods and interest-only options.
See program details
Freedom Legacy Lending
Jumbo & Super Jumbo Loans in Irvine & Southern California
Jumbo & Super Jumbo Loans in Irvine & Southern California
$1M to $20M
Highly competitive jumbo rates for luxury homes in Irvine, Orange County and across Southern California, backed by portfolio bank capital and 20+ years of mortgage experience. One point of contact, one phone number, from Scenario Review to closing.
$1M to $20MJumbo loan amounts
5 · 7 · 10Year fixed-period jumbo ARMs
Since 2005In mortgage lending
Jumbo loan programs
Five ways we finance Irvine's luxury homes
Each jumbo program solves a specific problem big banks and builder lenders handle poorly. Pick the one that fits your situation, or let us match it for you.
Fixed-Rate Jumbo Loans
A fully amortizing fixed rate for buyers and owners who want one payment for the life of the loan.
See program detailsBuy Before You Sell
A short-term bridge loan secured by your current home, so you can write a clean, non-contingent offer on the next one.
See program detailsSelf-Employed Jumbo Loans
Qualify with 12 months of personal or business bank statements instead of tax returns that understate what you earn.
See program detailsCustom Build & Rebuild Loans
One-time-close construction financing that converts to a permanent loan when the home is finished. Ground-up or major rehab.
See program details
Built for Irvine
Jumbo financing where the homes are
From the new estates at The Summit in Orchard Hills to Shady Canyon and Turtle Ridge, Irvine homes regularly need loans far above the conforming limit. We finance homes here every day, and we know the details that trip up out-of-area lenders, like Mello-Roos, HOA dues and new-construction timelines.
Orchard HillsThe SummitShady CanyonTurtle RidgeQuail HillGreat ParkNorthwoodPortola SpringsWoodburyTurtle Rock
Newport CoastCrystal CoveCorona del MarLaguna BeachCoto de CazaDana PointHuntington HarbourVilla Park
Why Freedom Legacy Lending
A jumbo specialist, not a call center
Highly competitive rates
Portfolio bank pricing that competes with the big private banks on jumbo and super jumbo loans, including bank statement loans for self-employed borrowers, where most lenders charge a premium.
You work with Nate directly
Nate Bogan personally reviews every jumbo scenario and stays your point of contact through closing. No hand-offs, no voicemail tree, no junior loan officer learning on your file.
Offers that win
Fast pre-approvals and buy-before-you-sell options give your agent a stronger offer in a competitive luxury market.
20+ years in lending
In mortgage lending since 2005, based in Irvine. We understand complex income, multiple properties and high-net-worth borrowers.
For real estate agents
Your buyer's jumbo loan, handled
Send us the $3M, $6M or $12M buyer whose bank is slow or says no. We return a clear answer quickly, keep you updated through closing, and never compete with you for the client.
Common questions
What is a jumbo loan in Orange County?
A jumbo loan is a mortgage larger than the conforming loan limit set each year for Fannie Mae and Freddie Mac. In Orange County, that limit is $1,249,125 for a single-family home in 2026, so any loan above it is a jumbo loan. We work with jumbo loans from $1 million and up, including super jumbo loans to $20 million.
How large a loan can you do?
The portfolio bank programs we offer go up to $20 million for homes in California, including primary residences, second homes and investment properties.
Can I buy a new home in Irvine before I sell my current one?
Yes. Our buy-before-you-sell bridge loan uses the equity in your current home so you can buy first, move once, and then sell without a deadline hanging over you. Many Irvine move-up buyers use it to make non-contingent offers.
I'm self-employed. Can I still get a super jumbo loan?
Yes. Business owners can qualify using 12 months of personal or business bank statements. It's built for owners whose tax returns show less income than the business actually produces.
Can my pre-IPO or private company stock help me qualify?
It may. Most lenders give vested private-company equity little or no value. The portfolio bank programs we offer may count significant vested pre-IPO equity using asset-based methods, which can help founders, executives and early employees whose salary is modest compared to their net worth. Each scenario is reviewed case by case.
Do you work outside Irvine?
Yes. We are based in Irvine and arrange financing for homes throughout Orange County and Southern California, and anywhere else in California.
Do you work with real estate agents?
Yes. Most of our clients come through agents. We give your agent fast answers and a loan professional who picks up the phone, which matters when you are competing for a luxury home.
What happens after I submit a Scenario Review?
Nate Bogan reviews your scenario personally and calls you, usually within one business day. There's no credit pull and no obligation at this stage.
A note from Nate
"I've been in mortgage lending since 2005 and I'm based right here in Irvine. When you send a jumbo scenario, I review it myself and call you back with real options. You'll have my direct number from the first call to the closing table."
Nate Bogan, Founder · NMLS #254452 · Company NMLS #1041572 · CA DRE #01913573
See how competitive your jumbo rate can be
A Jumbo Scenario Review takes two minutes. No credit pull, no obligation. Nate calls you, usually within one business day.