My Lender Jackie, your key to a successful home loan
Start Secure ApplicationSchedule ConsultationCall (949) 600-0944

Assets already tell the story

Santa Monica Jumbo and Asset-Based Home Loans

Westside prices sit in jumbo. Condos, rent-controlled neighbors, and self-employed or entertainment income are normal. Jackie qualifies on deposits or assets when the 1040 is the wrong page.

Start Secure Application Call Jackie: (949) 600-0944

Los Angeles County is a high-cost jumbo market in 2026, with conforming loans capped at $1,249,125. Santa Monica condos on the Wilshire corridor and houses north of Montana still clear that number after a modest down payment. The loan type follows occupancy: owner-occupant jumbo, second home, or a true rental on DSCR.

Condo questionnaires, HOA litigation, and parking allocations delay Westside files more than people expect. Jackie orders those documents as soon as the address is known. Income is the other delay. Producers, consultants, and business owners often look better on assets as income or bank statements than on last year's return.

What to bring

  • The building name and HOA management contact for condos
  • Brokerage or business statements if you do not take a W-2
  • Whether you will occupy, keep a second home, or rent the unit

Up the coast is Malibu, which is a different insurance and appraisal problem. Inland Orange County is Irvine if the house you want is a planned community instead of a Westside lot.

Frequently asked questions

Can I qualify in Santa Monica using investment accounts?
Yes, when the program is assets as income. Jackie needs statements that show ownership and liquidity, not a screenshot of a peak balance. That path fits high-net-worth buyers whose tax returns are not the point.
Are Santa Monica condos harder than houses?
They add HOA review. Warrantable vs non-warrantable buildings change which jumbo investors Jackie can use. Send the HOA packet early rather than after you are in escrow.
I work in entertainment. Do you need residual reports?
Sometimes. Sometimes deposits or a P&L are cleaner. Describe how you are paid on the first call so Jackie does not order the wrong stack.

Let's Build Your Mortgage Strategy

One conversation is usually all it takes to know which path fits. No pressure. Just expert guidance.

Schedule Your Private Consultation Call Jackie: (949) 600-0944 Start Secure Application