Jumbo Mortgage Broker for Marin and Sonoma County Homes
Jumbo mortgage broker Ted Erickson (NMLS #223442) arranges jumbo and high-balance loans for Marin and Sonoma buyers and homeowners. In 2026 a loan is jumbo above $1,249,125 in Marin and above $897,000 in Sonoma, the FHFA conforming limits for one-unit homes. Ted compares many lenders so a large loan gets the right fit.
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NMLS #223442
24 Years Closing Loans
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Jumbo Loan Facts at a Glance
2026 loan limits for Marin and Sonoma, and where a jumbo loan begins.
| Item (one-unit home, 2026) | Marin County | Sonoma County |
|---|---|---|
| Conforming loan limit | $1,249,125 | $897,000 |
| High-balance conforming range | $832,751 to $1,249,125 | $832,751 to $897,000 |
| Jumbo loan starts | Above $1,249,125 | Above $897,000 |
| Who sets the rules | Each jumbo lender | Each jumbo lender |
Is it harder to qualify for a jumbo loan?
Usually, yes. Fannie Mae and Freddie Mac do not buy jumbo loans, so each lender sets its own rules on credit, reserves, down payment and documentation, and many review files more closely. Those rules differ widely from lender to lender, which is why comparing several jumbo lenders through a broker often turns up a better fit.
Ted Erickson brokers jumbo loans for buyers and homeowners across Marin and Sonoma, where many homes sell above the conforming limit. He has 24 years closing loans and compares jumbo mortgage programs from many lenders for purchases and refinances, including second homes and self-employed borrowers.
How a Jumbo Loan Works
A jumbo loan is a mortgage larger than the conforming loan limit the Federal Housing Finance Agency sets each year. In practice, the jumbo loan limit is your county’s conforming limit. Because Fannie Mae and Freddie Mac cannot buy a jumbo loan, the lender writes its own guidelines. Between the national baseline of $832,750 and your county’s limit sits a middle tier, the high-balance conforming loan, which follows conforming rules.
Who a Jumbo Loan Fits
- Buyers of Marin homes priced above the conforming limit
- Sonoma County buyers in higher-priced neighborhoods
- Homeowners refinancing a large existing loan
- Self-employed buyers who need a jumbo bank statement loan
Jumbo Loan Requirements: What Ted Will Ask For
- The property address and purchase price or current value
- Your income documents: tax returns or bank statements
- Your credit, down payment and reserves
- Any other properties you own
Requirements vary by lender and program. Ted shops your jumbo loan across lenders and explains the trade-offs plainly. For the numbers behind the limits, read his guide to the conforming loan limit in California, or see his Marin and Sonoma mortgage broker page.
Tell Ted What Happened
Got turned down, stuck in underwriting, or have a deal that doesn’t fit the box? Call or text Ted directly, or start your application online.
Theodore Emery Erickson · NMLS #223442 · (415) 717-0477
Barrett Financial Group, L.L.C. · NMLS #181106 · NMLS Consumer Access
Branch: 3207 Grey Hawk Court, Suite 110, Carlsbad, CA 92010
CA 60DBO-46052 and 41DBO-148702. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Equal Housing Opportunity. Equal Housing Lender. This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines and property eligibility.
Questions for a Jumbo Mortgage Broker
Straight answers to what Marin and Sonoma buyers ask most about jumbo loans.
Call or text (415) 717-0477