Jumbo Loans · Santa Monica, CA

Santa Monica Jumbo Lender, High-balance and super-jumbo programs, Ocean Avenue & Montana Avenue Specialist Since 2014

Advanced Funding Solutions closes Santa Monica jumbo loans across Ocean Avenue, Montana Avenue, and Los Angeles County's high-cost corridor, built for tech executives, second-home buyers, and ocean-view condo investors. hundreds of wholesale-lender channels reviewing your file. Direct access to Leo Teplitsky, NMLS #1277693.

5.0 · 21 Google reviews NMLS #1277693 Founded 2014 California
  • ✓ NMLS #1277693
  • ✓ Licensed in California
  • ✓ Direct broker access
Los Angeles County · Santa Monica, CA

Why Choose Advanced Funding Solutions for Jumbo Loans in Santa Monica

Santa Monica is essentially all jumbo: Ocean Avenue high-rise condos, Montana Avenue bungalows, and the North of Montana single-family stock, even modest 1920s teardowns clear conforming. Rent-control jurisdiction complicates investment-property underwriting. Advanced Funding Solutions has closed Santa Monica jumbo loans since 2014 from our Calabasas office, 17 miles from our Calabasas HQ, without routing files through a call center or junior loan officer. We bring hundreds of lender relationships to every Santa Monica file, including programs built for tech executives, second-home buyers, and ocean-view condo investors.

Leo Teplitsky, Mortgage Broker | Founder, Advanced Funding Solutions
Santa Monica jumbos cluster in two buckets, North of Montana SFRs in the jumbo range and Ocean Avenue condos in the high-balance jumbo range, the latter requiring lender comfort with HOA budgets and earthquake-retrofit assessments. Hundreds of wholesale-lender relationships built since 2014 route your Santa Monica file across multiple investor channels for review. Final rate, points, and program terms are determined by the funding lender at the time of application.
— Leo Teplitsky Mortgage Broker | Founder · NMLS #1277693
Why Borrowers Choose AFS

What Makes Our Jumbo Loans Different in Santa Monica

High-Balance and Super-Jumbo Loan Programs

Santa Monica jumbos cluster in two buckets, North of Montana SFRs in the jumbo range and Ocean Avenue condos in the high-balance jumbo range, the latter requiring lender comfort with HOA budgets and earthquake-retrofit assessments.

Hundreds of Wholesale Lenders Reviewing Your File

AFS submits your Santa Monica jumbo file across multiple wholesale investor channels simultaneously. For tech executives, second-home buyers, and ocean-view condo investors, that wholesale-channel access matters: each investor scores income and asset profiles differently, and the funding lender best positioned to fund the Santa Monica scenario is often one not commonly represented in the Santa Monica retail market.

Bank Statement Programs Available

Self-employed business owners and high-earners in Santa Monica whose tax returns show heavy deductions qualify on 12–24 months of bank statements. Bank-statement documentation available under select investor channels. Loan amounts, available across the profiles we close most in Santa Monica, tech executives, second-home buyers, and ocean-view condo investors.

Direct Broker Access, No Call Center

Advanced Funding Solutions (NMLS #1277693) routes Santa Monica jumbo files across the wholesale-lender network. No call center, no junior LO handoff, no re-underwriting delays. Founded 2014.

Trust & LLC Vesting Available

Santa Monica jumbo loans in revocable living trusts are standard, we handle the trust documentation in the loan package. LLC vesting available for investment properties. Licensed in California.

Jumbo Loan Terms in Santa Monica, CA

Loan Range
High-balance and super-jumbo programs
Property Types
Primary residence · Second home · Investment property
Loan Terms
Fixed-rate · 5/1, 7/1, 10/1 ARM · Interest-only options
Income Documentation
Full doc · Bank statement (12–24 months) · Asset depletion
Down Payment
Down payment set by the funding lender, varies by loan amount and credit profile
Credit Profile
Strong preferred; alternative income documentation accepted
Vesting
Personal name · Revocable living trust · LLC (investment)
Typical Timeline
Timelines set by the funding lender, subject to appraisal, title, escrow, and borrower documentation
Licensing
California, NMLS #1277693 · Equal Housing Opportunity
FAQ

Jumbo Loans in Santa Monica: Common Questions Answered

What is the jumbo loan limit in Santa Monica?
Santa Monica is in Los Angeles County, the conforming limit is set annually by the Federal Housing Finance Agency, and any loan above that is a jumbo. Santa Monica is essentially all jumbo: Ocean Avenue high-rise condos, Montana Avenue bungalows, and the North of Montana single-family stock, even modest 1920s teardowns clear conforming. Rent-control jurisdiction complicates investment-property underwriting. Advanced Funding Solutions closes Santa Monica jumbo loans from High-balance and super-jumbo programs through our hundreds of lenders in our network. NMLS #1277693.
Can I get a Santa Monica jumbo loan with bank statements instead of tax returns?
Yes. Santa Monica jumbos cluster in two buckets, North of Montana SFRs in the jumbo range and Ocean Avenue condos in the high-balance jumbo range, the latter requiring lender comfort with HOA budgets and earthquake-retrofit assessments; and many of those files come through us on 12 or 24 months of bank statements. Tax-return-light documentation available under select investor channels. Contact Advanced Funding Solutions at (818) 478-2555. No loan officer queue.
How fast can AFS close a Santa Monica jumbo loan?
Typically Timelines are set by the funding lender at the time of application and are not guaranteed. Santa Monica jumbo files are routed across the wholesale-lender network. No processor queue, no junior LO. Wholesale-lender relationships established since 2014 support timely file routing.
Do you serve Ocean Avenue and Montana Avenue in Santa Monica?
Yes, Ocean Avenue, Montana Avenue, and all surrounding Santa Monica neighborhoods are in our primary service zone. AFS is based in Calabasas and has closed luxury jumbo transactions across Los Angeles County since 2014.
How are jumbo loan rates determined in Santa Monica?
Jumbo rates, points, and closing costs are set by the funding lender at the time of application based on credit profile, loan-to-value, occupancy, property type, loan amount, and program guidelines. Advanced Funding Solutions routes the file across wholesale investor channels for review; any figures discussed before a complete application are illustrative only and are not a quote, rate lock, or commitment to lend. Call (818) 478-2555 to discuss whether a wholesale-investor channel may fit the scenario.
How does a mortgage brokerage source jumbo capital in Santa Monica?
A mortgage brokerage routes the file across many wholesale investor channels. Santa Monica borrowers most often need lenders that handle high-balance condo files with HOA scrutiny, many retail channels cap condo concentration; we shop around the issue. Founded 2014. NMLS #1277693. Call Advanced Funding Solutions, (818) 478-2555.
More in Santa Monica

Other Loan Programs in Santa Monica

Santa Monica borrowers working with Advanced Funding Solutions have access to the full non-QM suite — not just jumbo loans. Whether you need hard money loans in Santa Monica , mortgage broker in Santa Monica, AFS routes your file across hundreds of wholesale-lender channels for the program best positioned to fund the scenario.

Ready for a Santa Monica Jumbo quote?

Leo Teplitsky, NMLS #1277693. Licensed in California. No call center. No junior LO handoff.