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Lake Tahoe Purchase and Refinance Mortgage Rates - Jumbo and Conforming

Customized Mortgage Options in Lake Tahoe with Local Jumbo

Lake Tahoe, celebrated for its breathtaking natural beauty and recreational lifestyle, offers a diverse real estate market. Local Jumbo connects you with mortgage solutions that cater to both the serene lakeside retreats and the bustling ski resorts of this area, surrounded by affluent communities like Incline Village and Truckee. Our selection includes 5, 7, and 10-year fixed ARMs, Interest-Only ARM loans, and 15, 20, 25, and 30-year fixed-rate mortgages, ideal for the varied properties of Lake Tahoe. We also specialize in Jumbo loans, Bridge, Cross-Collateralization, Foreign National, Land, and Construction loans, designed to meet the unique needs of Lake Tahoe homeowners and investors.

Planning to invest in Lake Tahoe’s real estate? Explore Local Jumbo’s network of Jumbo Verified™ lenders, offering competitive rates and tailored solutions for your mountain or lakeside property!




    Versatile Mortgage Choices for Lake Tahoe’s Unique Properties

    Lake Tahoe’s mix of luxury lakeside homes and mountain retreats requires a flexible approach to mortgages. Our lenders offer a range of solutions, from FHA and VA loans for various financial backgrounds to specialized Jumbo and Interest-Only loans, ensuring a good fit for your Lake Tahoe lifestyle.

    • A wide range of mortgage types including ARMs, FHA, VA, Interest-Only, Jumbo, and conforming loans
    • Specialized financing options for Lake Tahoe’s unique homes, including Land and Construction loans
    • Tailored mortgage solutions for Lake Tahoe and its neighboring affluent areas
    • Expert lenders with deep understanding of the Lake Tahoe real estate market
    • Competitive rates for both home purchases and refinancing in Lake Tahoe

    Personalized Mortgage Strategies for Lake Tahoe Real Estate

    Whether you’re drawn to Lake Tahoe for its ski slopes or tranquil lake views, our lenders craft mortgage strategies that align with the unique character of your property. Benefit from personalized financing plans that enhance your experience in this picturesque region.

    2024 CALIFORNIA CONFORMING LOAN LIMITS BY COUNTY

    County One-Unit Limit Two-Unit Limit Three-Unit Limit Four-Unit Limit
    ALAMEDA COUNTY $ 1,149,825 $ 1,472,250 $ 1,779,525 $ 2,211,600
    ALPINE COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    AMADOR COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    BUTTE COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    CALAVERAS COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    COLUSA COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    CONTRA COSTA COUNTY $ 1,149,825 $ 1,472,250 $ 1,779,525 $ 2,211,600
    DEL NORTE COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    EL DORADO COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    FRESNO COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    GLENN COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    HUMBOLDT COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    IMPERIAL COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    INYO COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    KERN COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    KINGS COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    LAKE COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    LASSEN COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    LOS ANGELES COUNTY $ 1,149,825 $ 1,472,250 $ 1,779,525 $ 2,211,600
    MADERA COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    MARIN COUNTY $ 1,149,825 $ 1,472,250 $ 1,779,525 $ 2,211,600
    MARIPOSA COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    MENDOCINO COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    MERCED COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    MODOC COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    MONO COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    MONTEREY COUNTY $ 920,000 $ 1,177,750 $ 1,423,650 $ 1,769,250
    NAPA COUNTY $ 1,017,750 $ 1,302,900 $ 1,574,900 $ 1,957,250
    NEVADA COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    ORANGE COUNTY $ 1,149,825 $ 1,472,250 $ 1,779,525 $ 2,211,600
    PLACER COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    PLUMAS COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    RIVERSIDE COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    SACRAMENTO COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    SAN BENITO COUNTY $ 1,149,825 $ 1,472,250 $ 1,779,525 $ 2,211,600
    SAN BERNARDINO COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    SAN DIEGO COUNTY $ 1,006,250 $ 1,288,200 $ 1,557,150 $ 1,935,150
    SAN FRANCISCO COUNTY $ 1,149,825 $ 1,472,250 $ 1,779,525 $ 2,211,600
    SAN JOAQUIN COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    SAN LUIS OBISPO COUNTY $ 929,200 $ 1,189,550 $ 1,437,900 $ 1,786,950
    SAN MATEO COUNTY $ 1,149,825 $ 1,472,250 $ 1,779,525 $ 2,211,600
    SANTA BARBARA COUNTY $ 838,350 $ 1,073,250 $ 1,297,300 $ 1,612,250
    SANTA CLARA COUNTY $ 1,149,825 $ 1,472,250 $ 1,779,525 $ 2,211,600
    SANTA CRUZ COUNTY $ 1,149,825 $ 1,472,250 $ 1,779,525 $ 2,211,600
    SHASTA COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    SIERRA COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    SISKIYOU COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    SOLANO COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    SONOMA COUNTY $ 877,450 $ 1,123,300 $ 1,357,800 $ 1,687,450
    STANISLAUS COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    SUTTER COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    TEHAMA COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    TRINITY COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    TULARE COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    TUOLUMNE COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    VENTURA COUNTY $ 954,500 $ 1,221,950 $ 1,477,050 $ 1,835,600
    YOLO COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400
    YUBA COUNTY $ 766,550 $ 981,500 $ 1,186,350 $ 1,474,400

    2023 NEVADA LOAN LIMITS BY COUNTY

    County One-Unit Limit Two-Unit Limit Three-Unit Limit Four-Unit Limit
    CHURCHILL COUNTY $726,200 $929,850 $1,123,900 $1,396,800
    CLARK COUNTY $726,200 $929,850 $1,123,900 $1,396,800
    DOUGLAS COUNTY $726,200 $929,850 $1,123,900 $1,396,800
    ELKO COUNTY $726,200 $929,850 $1,123,900 $1,396,800
    ESMERALDA COUNTY $726,200 $929,850 $1,123,900 $1,396,800
    EUREKA COUNTY $726,200 $929,850 $1,123,900 $1,396,800
    HUMBOLDT COUNTY $726,200 $929,850 $1,123,900 $1,396,800
    LANDER COUNTY $726,200 $929,850 $1,123,900 $1,396,800
    LINCOLN COUNTY $726,200 $929,850 $1,123,900 $1,396,800
    LYON COUNTY $726,200 $929,850 $1,123,900 $1,396,800
    MINERAL COUNTY $726,200 $929,850 $1,123,900 $1,396,800
    NYE COUNTY $726,200 $929,850 $1,123,900 $1,396,800
    PERSHING COUNTY $726,200 $929,850 $1,123,900 $1,396,800
    STOREY COUNTY $726,200 $929,850 $1,123,900 $1,396,800
    WASHOE COUNTY $726,200 $929,850 $1,123,900 $1,396,800
    WHITE PINE COUNTY $726,200 $929,850 $1,123,900 $1,396,800
    CARSON CITY $726,200 $929,850 $1,123,900 $1,396,800

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      SERVING BUT NOT LIMITED TO THE FOLLOWING COMMUNITIES IN AND AROUND LAKE TAHOE

      Neighborhoods

      Truckee, Tahoe City, South Lake Tahoe, Christmas Valley, Incline Village, Genoa, Kings Beach, North Shore, South Shore, Stateline, Tahoe Vista, Virginia City, Washoe Valley, Woodfords / Markleeville.

      Zip Codes

      96150, 96151, 96152, 96154, 96155, 96156, 96157, 96158, 96145, 96143, 89450, 89451, 89411, 89704 & 89440

      Counties

      El Dorado County, Alpine County, Placer County, Nevada County, Sierra County, Mono County, Inyo County, Lassen County, Washoe County, Storey County, Carson City County, Douglas County & Lyon County.