El Dorado Hills sits in El Dorado County, with median home prices that regularly push into jumbo territory. Promontory, Serrano, Stonebriar, and Marina Hills are common destinations for Bay Area transplants and Sacramento move-up buyers. As your El Dorado Hills mortgage lender I structure jumbo, self-employed, and Buy Before You Sell financing with the local context that national online lenders miss.
El Dorado Hills serves a mix of Bay Area transplants, Sacramento area move-up buyers, and dual-income professionals. Median prices in established Serrano and Promontory often exceed $1M. Marina Hills and parts of Stonebriar offer slightly lower entry. Each subcommunity has distinct HOA structures and amenity profiles.
El Dorado County uses the FHFA baseline conforming limit ($806,500 for one-unit in 2026). Above that, jumbo applies. Most Serrano and Promontory purchases land in jumbo territory. Pricing depends on credit, loan-to-value, and reserves.
Bay Area sellers using their sale proceeds for an EDH purchase need careful timing. Buy Before You Sell allows closing on the EDH home without a contingent-on-sale offer. Bridge loans, HELOC equity extraction, and recasting strategies all work depending on equity, income, and time horizon.
EDH has a significant self-employed contractor, consultant, and small business owner population. Bank statement jumbo (12 or 24 months of deposits) qualifies these buyers when tax-return income doesn't reflect actual cash flow. Typical requirements: 15-25% down, 700+ credit.
Higher-end EDH purchases ($1.5M+) often require larger down payments (20%+), 12+ months of reserves, and manual underwriting review. Acreage parcels, view lots, and equestrian properties have additional appraisal and lender considerations.
EDH has active custom home construction in Serrano, Bass Lake area, and outer El Dorado County. Construction-to-permanent financing keeps the same lender through the build. Land loans support lot purchase before build.
El Dorado County uses the FHFA baseline ($806,500 for one-unit in 2026). Loans above that are jumbo.
Yes. Most established Serrano primary residence purchases price into jumbo territory. Some entry Marina Hills or Stonebriar can stay in conforming.
Yes. Bank statement jumbo, profit-and-loss statement jumbo (for self-employed borrowers), and asset-based qualifying jumbo (uses your savings and investments) are all available. Typical down payment 15-25%, credit 700+.
Yes. PRMG offers Buy Before You Sell programs allowing you to close on the new EDH home without a contingent-on-sale offer. Eligibility depends on income, credit, reserves, and value of the home being sold.
Yes. Single-close construction-to-perm financing supports EDH custom builds. Requires builder approval, plans and specs, contingency reserve. Available for owner-occupant primary residence.
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Disclaimer: This page is for educational purposes only and is not a commitment to lend or guarantee of approval. Loan programs, rates, terms, eligibility, and program availability are subject to change and depend on credit, income, assets, property, occupancy, location, and underwriting. Not all borrowers will qualify. Individual results vary. Equal Housing Opportunity. PRMG Mortgage NMLS #75243. Ken Clark Jr. NMLS #225375. PRMG is licensed in 49 states, excluding New York.