Mortgages in Marin County.
Marin is jumbo territory. Median loan sizes require comparing pricing across banks, credit unions, and portfolio lenders to find the right rate versus reserve requirement trade-off.
$1,209,750 conforming, jumbo above
≈ $1.55M
San Rafael, Mill Valley, Novato, Tiburon, Sausalito, Corte Madera, Larkspur
- Jumbo and super-jumbo shop for high-net-worth files
- Asset-depletion and interest-only options
- Bank relationship pricing
- Post-close liquidity reserves
- Wildfire insurance eligibility in some zip codes
- Appraisal comps in low-volume neighborhoods
Program pages written for this market.
Loan limits, property quirks, and lender appetite change county by county. These pages cover how each program actually runs in Marin County.
Conventional Loans in Marin County
The default program for most Northern California buyers.
ReadFHA Loans in Marin County
Low down payment, forgiving credit, ideal for first-time buyers.
ReadVA Loans in Marin County
Zero down, no PMI, competitive rates for veterans.
ReadJumbo Loans in Marin County
$1.2M-$30M loan amounts across banks and portfolio lenders.
ReadDSCR Investor Loans in Marin County
Qualify rental properties on the rent, not your income.
ReadBank Statement Loans in Marin County
Self-employed loans qualified on deposits, not tax returns.
ReadFix & Flip / Bridge Loans in Marin County
Short-term capital for acquisitions, rehabs, and bridges.
ReadHELOC & Equity Access in Marin County
Access equity without touching your low first-mortgage rate.
ReadReverse Mortgages (HECM) in Marin County
Convert equity to income or a line of credit at 62+.
ReadBuying rentals in Marin County? Qualify on the property, not your tax returns.
Most Marin County investors we work with never touch a W-2 loan. DSCR financing underwrites the rent the property collects against its payment, so portfolio size, write-offs, and self-employment income stop being obstacles. Short-term rental income counts with many of our lenders, and closings run in title-holding LLCs.
DSCR Rental Loans
No tax returns, no DTI. Qualify on rent versus payment, 20-25% down, unlimited financed properties.
See the programFix & Flip / Bridge
Up to 90% of purchase plus rehab for value-add projects, with closings as fast as 10 days.
See the programBank Statement Loans
Self-employed buyers qualified on 12-24 months of deposits instead of write-off-heavy returns.
See the programMarin County mortgage questions.
What loan amount is considered jumbo in Marin?
Anything above $1,209,750 for a one-unit property in 2026.
How much in reserves do jumbo lenders want in Marin?
Typically 6-24 months of PITI depending on loan size, credit, and property type. We shop for the least burdensome requirement.