Coastal & Luxury Markets · Arizona
Jumbo and Self-Employed Financing for Arizona Coastal Markets
Everything on this site exists to help you make a confident financing decision, whether or not you ever call. Start with the guides below, or just ask your question directly.
There is no separate coastal loan. Jumbo, bank statement, P&L, and assets as income are the same programs. The house, the HOA, and the insurance change. Open the market you are buying or refinancing.
- Newport Beach
- Newport Coast
Gated ridges, HOA dues, and reserves that have to match the view lot.
- Laguna Beach
Thin inventory, hillside comps, insurance that belongs in the quote.
- Dana Point
Published $750K P&L second and $3.5M cash-out. Equity without blowing up the first loan.
- San Clemente
South OC primaries and second homes. Same jumbo and bank-statement stack.
- Irvine
Published $8M Orchard Hills purchase: 1031 plus bank statements. HOA and Mello-Roos in the payment.
- Santa Monica
Westside condos and asset-based qualification when the 1040 is the wrong page.
- Malibu
Published $2M P&L cash-out and $7.7M refinance. Fire insurance is not optional homework.
- Santa Barbara
Statewide license, local appraisal. Occupancy has to be true on a second home.
- Montecito
Estate lots, guest houses, and assets or a P&L instead of a tax-return underwrite.
- Monterey
Peninsula vs inland. Confirm the county jumbo limit before you assume Orange County rules.
- Carmel
Village lots and Carmel Valley acreage are not the same appraisal. Second homes are common.
- Santa Cruz
Coast plus commute. Hillside insurance and bank statements for founders who kept the company inland.
- Mendocino
Thin comps, wells, and investors who may not buy the cabin. Paul will say so before you pay for an appraisal.
Serving Arizona from Huntington Beach
The office is 18281 Gothard St Ste 203. Most clients close by phone and secure e-signature. See every loan program, published closings, or contact Paul.