By market
Financing a $4M+ home, market by market
Every purchase the program serves is a jumbo or super-jumbo loan, and the rules and practice differ by county. These are the markets where $4M-and-above homes concentrate, and how financing works in each.
Southern California — where we are
Orange County
Laguna Beach
How a $4M or more home in Laguna Beach is financed in 2026: the Orange County jumbo loan limit, property taxes, transfer tax, and one structured path.
Orange County
Newport Beach
How a $4M or more home in Newport Beach is financed in 2026: the Orange County jumbo limit, Proposition 13, Mello-Roos, transfer taxes and the program.
Orange County
Orange County
How a $4M+ home in Orange County is financed in 2026: the county's $1,249,125 conforming limit, jumbo loans, Proposition 13, Mello-Roos and transfer tax.
California
District of Columbia
Florida
By qualification
Find out if it is open to you.
Three ranges tell you where you stand against the published criteria. If you meet them, Kent Chesley will speak with you personally.
Prefer to talk? Call him directly at 949-293-8686. Kent Chesley, DRE #02283898.