With updated jumbo loan limits now in place for 2026, new opportunities are opening up for California buyers and the brokers supporting them. Over the past year, we’ve seen strong interest in both our jumbo and ADU loan programs, particularly for clients who don’t fit traditional lending guidelines.
Jumbo loans often come with added documentation, tighter ratios, and longer timelines. ADU projects bring their own challenges as well, including construction considerations, owner-occupancy restrictions, and limited financing options through conventional channels. In both cases, delays and rigid guidelines can stall otherwise strong opportunities.
This is where private money can be a useful alternative. Our lending approach focuses on loan-to-value and property strength rather than inflexible underwriting checklists. That flexibility allows transactions to move forward when timing matters, whether a client is purchasing a higher-value home or adding an ADU to create long-term income or living space.
We’ve also continued to refine our resources for brokers, including updated program pages and clear educational content, so it’s easier to explain options and set expectations early in the process.
The Bottom Line
If you’re working on a jumbo loan or ADU scenario in California and traditional financing is slowing things down, there may be another path forward. Our team at Pacific Direct Mortgage is here to help you review options clearly and move forward with confidence when the timing is right.
Husband & Wife Team Phone: 707‑708‑0797 / Office: 1400 N. Dutton Ave #22 Santa Rosa, CA 95401 Ken: CA DRE Broker #01858042 / NMLS #1221130 Ari: CA DRE #01858152 / NMLS #2170867 Ken & Ari are a husband & wife team with combined 3+ decades in real estate and private money industries. They own Pacific Direct Mortgage & Real Estate, specializing in Private Money loans (also known as Hard Money home loans). Having helped thousands of Borrowers & working directly with Brokers, Agents and Lenders to help when needed with fast, flexible, alternative financing for real estate purchases and refinances throughout California. No issues with DTI ratios, credit issues, property condition, difficult to prove income ‑ we want to help!
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