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
Buying 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.