Wholesale Mortgage Broker 92673 | San Clemente Jumbo Loan Specialists
Access wholesale rates and 200+ lenders for San Clemente's coastal lifestyle community
San Clemente 92673 offers the "Spanish Village by the Sea" lifestyle with a $1.4 million median home price. With the 2026 conforming limit at $1,149,825, many 92673 buyers need jumbo financing. A wholesale mortgage broker with 200+ lender access delivers better rates than banks—plus expertise with VA jumbo loans for military families near Camp Pendleton and second home financing for coastal buyers.
Why San Clemente 92673 Homebuyers Choose Wholesale
The 92673 Buyer Mix
San Clemente 92673 attracts diverse buyers with varied financing needs:
- Military families: Camp Pendleton proximity creates VA loan demand
- Second home buyers: Beach lifestyle seekers from inland areas
- Surfers and athletes: Outdoor enthusiasts seeking the coastal life
- Remote workers: Tech professionals relocating for quality of life
The Camp Pendleton Advantage
San Clemente's proximity to Camp Pendleton means VA loans are common:
- VA jumbo loans for homes above county limits
- Zero down payment for qualified veterans
- No private mortgage insurance
- Multiple VA lenders competing through wholesale
92673 Real Estate Snapshot
| Metric | San Clemente 92673 |
|---|---|
| Median Home Price | $1,400,000 |
| Price Range | $800,000 - $3,500,000 |
| Typical Loan Amount | $1,000,000 - $2,000,000 |
| Days on Market | 30-50 days |
| 2026 Conforming Limit | $1,149,825 |
Jumbo Loan Programs for San Clemente 92673
VA Jumbo Loans
For veterans and active military near Camp Pendleton:
- Zero down payment on jumbo amounts
- No PMI regardless of loan size
- Competitive rates through wholesale access
- Multiple VA lenders to compare
Conventional Jumbo
For non-military buyers:
- Loan amounts up to $3 million+
- Down payments from 10-20%
- Fixed and adjustable options
- Competitive coastal market rates
Second Home Programs
For buyers making San Clemente their beach retreat:
- Second home jumbo financing
- Different rate structures than primary residence
- Multiple lender options for best fit
- Rental income consideration if applicable
Self-Employed Programs
For remote workers and business owners:
- Bank statement loans
- P&L statement programs
- Asset utilization options
- Flexible documentation
How We Beat San Clemente Banks
| Factor | Local Banks | Wholesale Broker |
|---|---|---|
| Lender options | 1 | 200+ |
| VA jumbo expertise | Limited | Multiple VA lenders |
| Second home programs | May restrict | Multiple options |
| Rate pricing | Retail | Wholesale |
| Coastal property comfort | Standard | Experienced lenders |
| Closing speed | 30-45 days | 25-35 days |
San Clemente 92673 Neighborhoods We Serve
Marblehead
Gated coastal community with ocean views and resort amenities. Homes $1.2M-$3M+ with beach access.
Southeast San Clemente
Mix of established and newer homes near the Outlets and I-5. Family-friendly with good schools.
Outlets Area
Convenient location near San Clemente Outlets with easy freeway access. Newer construction available.
Dana Point Border
Properties near Doheny State Beach with coastal access and Dana Point amenities nearby.
Frequently Asked Questions
What is the typical loan amount needed in San Clemente 92673?
San Clemente 92673 has a median home price of $1.4 million, pushing most buyers into jumbo loan territory above the 2026 conforming limit of $1,149,825. Marblehead and southeast San Clemente homes typically require loans of $1.1M-$2M.
Do wholesale brokers offer VA jumbo loans near Camp Pendleton?
Yes. San Clemente's proximity to Camp Pendleton means VA loans are popular here. Wholesale brokers access multiple VA lenders, including those offering VA jumbo loans for homes above the county limit with no down payment for qualified veterans.
Why choose a wholesale broker for San Clemente coastal homes?
San Clemente's coastal properties often require jumbo financing and specialized appraisals. A wholesale broker accesses 200+ lenders competing for your business, delivering better rates than banks and lenders experienced with coastal property valuations.
What neighborhoods in 92673 does your wholesale brokerage serve?
We serve all San Clemente 92673 neighborhoods including Marblehead, Southeast San Clemente, the Outlets area, and communities near the Dana Point border. Our wholesale access benefits families, military members, and coastal buyers throughout the area.
Can I get a second home loan for a San Clemente property?
Yes. San Clemente attracts second home buyers seeking the beach lifestyle. Wholesale brokers access lenders with competitive second home jumbo programs and can help you navigate the different requirements compared to primary residence financing.
Get Started with Your San Clemente Jumbo Loan
San Clemente 92673 offers the best of coastal Orange County living. Whether you're a veteran using VA benefits, a second home buyer, or a family relocating for the beach lifestyle, a wholesale mortgage broker delivers better rates and specialized programs for San Clemente's unique market.
Related Resources
Mo Abdel | NMLS #1426884 | Lumin Lending, Inc. | NMLS #2716106
Licensed in: CA, WA
Equal Housing Lender. All loans subject to credit approval. Rate comparisons are based on typical wholesale vs retail pricing and are not guaranteed. Your rate will depend on your specific situation, credit profile, and market conditions.