Beverly Hills, CA

Beverly Hills jumbo lending — the pace and precision the market requires.

Most properties clear $2M. Buyers range from entertainment professionals to executives with RSUs and deferred comp. This market needs a lender who moves fast, documents precisely, and handles non-traditional income without flinching.

$3.8M

Median Sale Price

$1,089,300

Conforming Limit (LA)

Avg Days on Market

Yes

Licensed in CA

Beverly Hills real estate operates at the intersection of wealth management, lifestyle, and complex income. Most properties clear $2M — jumbo and super-jumbo territory — and buyers range from entertainment industry professionals to international investors to executives with deferred compensation, equity grants, or partnership distributions. This market needs a lender who can move fast, document precisely, and handle non-traditional income without needing to escalate to a manager.

Loan Structures

Financing at This Level Looks Different

The conforming loan limit in LA County for 2026 is $1,089,300. In Beverly Hills, that limit is a floor, not a ceiling. Typical loan sizes run $1.5M to $10M or above, and the financing structures that work here are different from what most borrowers have used before.

30yr Jumbo Fixed

Rate certainty for buyers who plan to stay long-term or prefer predictable carrying costs. Slightly higher rate than ARM products, but no adjustment risk over the life of the loan.

5/1 or 7/1 ARM

Preferred by entertainment executives and senior professionals who know they will relocate, upgrade, or pay off the loan within 5 to 7 years. Meaningfully lower initial rate than a fixed product.

Interest-Only ARM

Reduces monthly payment during the initial period, preserving capital for investment or business use. Common among asset-rich buyers who prefer to keep liquidity over equity accumulation.

Asset Depletion

Qualify using portfolio value or liquid net worth instead of salary. A buyer with $4M in investment accounts can qualify on those assets alone — no W-2 or employment verification required.

Bank Statement Loans

12 to 24 months of business or personal bank statements in lieu of tax returns. Designed for self-employed buyers, producers, directors, and business owners whose tax returns significantly understate income.

Beverly Hills deals often move with short contingency windows — 5 to 10 days for inspections, sometimes shorter for offers written to compete with cash. Your lender needs to be already ahead of the process, not catching up to it.

Why Logan

Logan Covers California From Arizona — Here's Why That Works

Being based in Arizona and licensed in California is not a limitation — it is a different operating model. There is no California office with a local loan officer who takes the file and hands it to a processor who hands it to an underwriter. Logan handles your file personally, start to finish.

Licensed in AZ and CA

Full California licensure. Logan handles California files with the same authority and capability as Arizona transactions. No referral, no hand-off, no outsourced processing.

Same-Day Letters

Pre-approval letters issued the same day in most cases. When your Beverly Hills agent says the window is open — sometimes at 10pm on a Tuesday — you will have what you need.

Evening + Weekend Access

Real estate transactions in LA do not run on banker's hours. Logan is available evenings and weekends because that is when offers are written and decisions are made.

Complex Income

Non-Traditional Income in Beverly Hills

The Beverly Hills buyer pool includes a high proportion of borrowers whose income does not fit a standard W-2 mold. Writers, directors, and producers with project-based income. Business owners who write off aggressively. Executives whose compensation is primarily RSUs, bonuses, and deferred plans. We structure these files correctly from the first conversation.

Bank Statement Loans

12 to 24 months of business or personal bank statements. Writers, directors, producers, and business owners whose tax returns reflect aggressive deductions qualify on actual cash flow rather than taxable income. No tax return qualification required.

Asset Depletion

Convert liquid assets to qualifying income using a standard formula. A buyer with $3M in investment accounts qualifies for approximately $10,000 per month in qualifying income. No salary or employment required — assets do the work.

RSU and Equity Comp

Deferred comp, RSUs, bonus income, and equity grants can be structured for underwriting review. We document the vesting schedule, the history, and the continuity to show underwriting the full income picture, not just the base salary.

FAQ

Frequently Asked Questions

Yes — Logan is licensed in California and personally handles California files. There is no hand-off to a CA team or a different loan officer. Your file is managed by Logan from application through close, with the same same-day pre-approval turnaround and direct communication that Arizona clients receive. California clients regularly work with Logan remotely with no friction in the process.

Jumbo at that purchase price typically requires 20% to 25% down — that is $600,000 to $750,000. Some portfolio lenders will consider 15% down at that price point with strong reserves and a clean credit profile. The right structure depends on your full financial picture: assets, income type, and credit history all factor in. We find the right product rather than defaulting to the most conservative option.

Same-day pre-approval letters are standard. For fully verified files with all documentation submitted, we target 21-day close. We stage documentation from the first call and communicate proactively so nothing stalls in the final week. Beverly Hills deals often carry 5 to 10 day inspection contingency windows — your lender needs to be ahead of the timeline, not reacting to it at the last minute.

Ready When You Are

Beverly Hills moves on its own timeline. Your pre-approval letter should be ready when the opportunity is.

Complex income, same-day letters, direct access to Logan — evenings and weekends included.

Start Pre-Approval Call (480) 803-7763

Explore More

Southern California Premium Markets Palisades & Brentwood Loan Programs Get Pre-Approved Malibu Investor Loans