Home loans for every kind of home buyer in California.
Sam Batayneh specializes in jumbo loans and in income that takes more reading: stock pay, contracts, project income and self-employment. Sam knows how to structure and document that income for a lender. Sam also does the straightforward loans, for every kind of home buyer: FHA loans, VA loans, conforming loans under Fannie Mae and Freddie Mac rules, jumbo loans and the rest of what OriginPoint offers.
Jumbo loans, harder-to-read income, and the standard loans too.
Every kind of home buyer means every kind of income, loan type and price range.
Jumbo loans
Loans above the county limit, where each lender sets its own rules and knowing how lenders differ matters most. Jumbo loans explained.
Income that takes more reading
Stock pay for tech professionals, contracts for athletes, project income for entertainers and creators, and business income for self-employed borrowers.
The straightforward loans
A salary, a first home or the next one. FHA loans, VA loans and conforming loans under Fannie Mae and Freddie Mac rules. Still looking at homes? Ask about Lock ’N’ Roll. See the page for first-time home buyers.
How lenders generally look at any home loan.
Each lender sets its own rules. These are the questions most of them ask.
Income
Lenders count the income they can document. A salary is read from pay stubs and W-2s. Stock, bonuses, contracts and self-employment are read over a longer history.
Savings
The down payment, the closing costs and, on some loans, money left after closing. Lenders ask where the money came from.
Credit
Your credit history and your monthly debts. Each loan type, and each lender, sets its own standard.
The home
How you will use it (a main home, a second home or a rental), what kind of property it is, and its appraised value.
The loan amount
At or under the county limit, a conventional loan is a conforming loan. Above it, the loan is a jumbo loan. See the 2026 limits by county.
What to have on hand.
You don’t need all of this for a first conversation. It makes applying quicker, and your list may differ.
- Pay. Recent pay stubs and W-2s, or tax returns if you are self-employed.
- Other income. Award agreements, contracts, 1099s or K-1s, if part of your pay comes that way.
- Accounts. Recent statements for bank and investment accounts.
- Your plans. Where you are looking, and whether the home is a main home, a second home or a rental.
Programs to ask Sam about.
Every program on the loans page, by name. Each link goes to that program’s own section. Every loan is subject to credit and underwriting approval.
Program names are OriginPoint’s. Which one fits depends on your own file, and naming a program here is not a promise that a loan will be approved.
Plain answers.
Does Sam only do jumbo loans?
Does Sam work with buyers who are paid a regular salary?
What does it mean to structure income for a home loan?
Which loan programs can I ask Sam about?
General education only. Each lender sets its own rules, and they change. Nothing here is a promise that a loan will be approved or of any terms. This is not tax, legal or investment advice: for those questions, ask your own CPA, attorney or business manager.
Limits where you’re buying.
Sam lends in all of California. Each of the eight region pages has its county’s 2026 limit and what is different there.
Not sure where you fit?
Tell Sam how you’re paid and what you’re buying. Sam will lay out your options in plain words.