Los Angeles County’s 2026 conforming loan limit sits at the statutory ceiling of $1,249,125. In Beverly Hills, where the citywide median sale price for a single-family home was approximately $5.62 million as of May 2026 per CRMLS data, that ceiling covers only a fraction of what most buyers need to finance. Even the city’s more accessible sub-market — the Flats, clustering between $3.8 million and $4.6 million — sits well above the conforming line. Jumbo financing here isn’t a specialty product; it’s simply what buying in Beverly Hills requires.
I underwrite Jumbo loans for Beverly Hills buyers with an understanding of how this specific market pays its residents: entertainment-industry loan-out and deal-based income tied to agencies like WME, headquartered at 9601 Wilshire Boulevard; private medical practice income from physicians in the Golden Triangle’s concierge medicine corridor; and substantial asset positions, given that roughly 41 percent of Beverly Hills single-family closings in early 2026 were all-cash.
A Jumbo mortgage is any loan amount above Los Angeles County’s conforming limit of $1,249,125, placing it outside Fannie Mae and Freddie Mac purchasing guidelines. Because LA County already sits at the FHFA’s high-cost ceiling, Jumbo financing in Beverly Hills begins at the same threshold as the most expensive counties in the nation — a threshold the city’s median sale price already exceeds by more than four times.
Key Features:
Loan amounts above $1,249,125 for a single-family home in Los Angeles County
Down payments typically starting around 10-20%, depending on loan amount and property type
Credit score requirements generally starting at 700, often higher for larger loan amounts
Underwriting that can incorporate loan-out corporation income, private practice earnings, and asset-based qualification
Financing available for existing homes, condos, and custom construction throughout the city
For Beverly Hills purchases in the Flats sub-market, typically ranging from roughly $1.25 million to $5 million, covering the city’s highest transaction volume.
For financing above $5 million, common in Trousdale Estates and Beverly Park, where estate-level properties and complex entertainment or asset-based income require more flexible underwriting. Full detail is available on our Super-Jumbo Mortgage Loans page.
For physicians establishing or joining a private practice in the Golden Triangle’s Bedford and Camden Drive medical corridor, combining Jumbo-level financing with physician-specific down payment terms.
The Flats
The city's most prestigious and highest-volume residential section, sitting between Sunset and Santa Monica Boulevards, with median sale prices clustering between $3.8 million and $4.6 million depending on block and lot depth.
Trousdale Estates
A 410-acre hillside enclave developed in the 1950s and 1960s, known for mid-century modern architecture by architects including A. Quincy Jones and Richard Neutra, commanding a 25 to 30 percent premium over the citywide median, with active listings spanning from the single-digit millions to trophy properties above $30 million.
Beverly Park
One of the city's most exclusive gated estate communities, representing the top tier of Beverly Hills real estate alongside the Flats and Trousdale Estates.
Beverly Hills Post Office (BHPO)
Technically unincorporated Los Angeles County but sharing the 90210 zip code, BHPO offers larger lots and more varied architecture, though buyers should verify school district eligibility directly, since it depends on the specific parcel.
Jumbo underwriting built around Beverly Hills's distinct sub-markets and their different price bands
Experience documenting entertainment-industry loan-out income and private medical practice earnings
Understanding of the tax distinction between Beverly Hills proper and the BHPO area under LA jurisdiction
Direct communication throughout your file
Competitive Jumbo pricing sourced across multiple investor programs
Confidential pre-approval conversations before you make an offer
Ryan Lehrman, NMLS #235295
Credit profile: Generally a 700+ credit score, with stronger pricing available above 740
Down payment: Typically 10-20%, varying by loan amount and property type
Income documentation: Two years of tax returns, current pay stubs, and — for loan-out corporation or private practice income — corporate tax filings and evidence of continued work
Reserves: Lenders commonly require 6-12 months of mortgage payments in liquid reserves for Beverly Hills's larger Jumbo loans
Initial consultation — We review your income structure, target sub-market, and loan amount to identify the right Jumbo program.
Documentation and pre-approval — We assemble your income, asset, and credit documentation, including loan-out corporation or practice income history if applicable.
Property identification — You shop with a strong pre-approval letter, useful given that homes at or near market value in Beverly Hills sell in an average of 29-36 days
Underwriting and appraisal — We coordinate appraisal and underwriting with attention to which Beverly Hills sub-market your property sits in.
Closing — We finalize your Jumbo financing and get you to the closing table on your timeline.
It depends heavily on which sub-market you're buying into — a Flats purchase near the $3.8 to $4.6 million range requires substantially different qualifying income than an entry-level Jumbo purchase just above the $1,249,125 conforming line. I can review your specific numbers and target neighborhood to tell you what loan amount your income supports.
Yes. Lenders generally want two years of tax returns showing the loan-out corporation's income and evidence of continued work in the industry. I structure this regularly for Beverly Hills borrowers connected to talent agencies and production companies.
Not directly, but it does mean appraisal comparables can sometimes be thinner than in more heavily financed markets, and off-market transactions above $15 million are common. I account for this when structuring appraisal and underwriting timelines for financed Beverly Hills purchases.
Ready to finance your upper-tier Beverly Hills property? Schedule a confidential consultation today.
Originally from Harrisburg, Pennsylvania, I moved to Phoenix to attend Arizona State University and have proudly called Phoenix home ever since.
My journey into the mortgage industry began with a friend’s encouragement, who saw how my energy and people-first mindset could make a difference. He was right — I found my calling.
I’ve always embraced what makes me different. With ADHD as my secret weapon, I thrive in fast-paced, detail-heavy environments. I’ve built my career on clear communication, creative problem-solving, and putting clients first, always.
Outside of work, my greatest motivation is my wife and three amazing kids. I’d be honored to help guide you through your lending journey with care, clarity, and commitment.
