Pacific Palisades jumbo loans and 2026 loan limits.

Pacific Palisades lies along Sunset Boulevard on its way to the ocean. Santa Monica and Brentwood are to the east, Malibu and Topanga are to the west, the Santa Monica Mountains and Topanga State Park rise to the north, and Pacific Coast Highway runs along the beach below the bluffs. Will Rogers State Historic Park, Temescal Canyon and the Getty Villa are among its landmarks, and the shops of the village are near Sunset Boulevard and Via de la Paz.

Before 2025 the homes ranged from small houses on the level streets near the village to large properties on the mesas, bluffs and canyon rims. Most were single-family houses, with condominiums and townhouses along Sunset Boulevard and in the Highlands, the planned community in the hills above.

The Palisades fire began on January 7, 2025 and destroyed a large part of the neighborhood (CAL FIRE’s 2025 incident list is the public record). A property for sale here may now be a standing house or a cleared lot, and the two are financed differently. Rebuilding after a fire? Please call Sam with any fire rebuild questions: (323) 902-1112.

It depends on whether you are buying a standing house or a lot. Insurance is the common thread.

A standing house is financed like any other, with a conforming or jumbo loan. The lender will want homeowners insurance in place, and after the fire that takes planning, since the whole area is a mapped fire hazard zone. Appraisals are also harder for now, because recent sales of comparable houses are fewer and the streets around a house may have changed.

A cleared lot is not financed with a standard home loan, which is for a finished house. Lenders that make construction loans look at the plans, the builder, the budget and the permits, and release money in stages as the work is done. The construction loans page explains how a one-time-close loan works and what to ask.

The Riviera is the eastern end of Pacific Palisades, on both sides of Sunset Boulevard next to Brentwood and above Santa Monica Canyon. Its streets carry Mediterranean names, among them Amalfi Drive, Corsica Drive, Napoli Drive and San Remo Drive, and the Riviera Country Club’s golf course lies in the canyon at its southern edge. Will Rogers State Historic Park is just to the west.

Lots here are large for the Westside, many on gentle slopes with long frontages, and the houses are individual: older houses from the 1920s through the 1950s beside much newer ones. For a lender that means an appraisal with few close matches, and on a larger loan perhaps a second appraisal. Homes on the canyon rim can bring questions about slopes and drainage. The area north of Sunset Boulevard backs onto brush land and is a mapped fire hazard zone, and since January 2025 insurers look closely at every address in the Palisades, so ask for homeowners insurance quotes before you make an offer. The one-unit county limit applies to nearly every property here.

The Alphabet Streets are the grid of short blocks north of Sunset Boulevard beside the village. The streets are named in alphabetical order, beginning with Albright, Bashford, Carey and Drummond streets. The neighborhood was laid out in the 1920s, when Pacific Palisades was founded, with small, regular lots within walking distance of the shops.

This was one of the areas hit hardest by the Palisades fire of January 2025, and many of its lots were cleared afterward. Much of what is for sale here is land to build on, more than a finished home. A lot loan or a construction loan works differently from a home loan: the lender reviews the plans, the builder and the budget, and often asks for more money down. When the house is finished, the long-term loan is conforming or jumbo by the county’s limit, like any other. Where a house is standing, expect careful questions about insurance, and an appraisal that takes longer because so few nearby homes have sold. Ask Sam what OriginPoint offers before you commit to a lot.

Castellammare is at the western tip of Pacific Palisades, on the steep hillside above Pacific Coast Highway where Sunset Boulevard meets the ocean. The Getty Villa is next to it. The streets, laid out in the 1920s, have Italian names such as Castellammare Drive, Posetano Road, Tramonto Drive and Revello Drive, and they climb the slope in tight terraces, linked in places by public stairways.

Homes here are hillside houses with ocean views, built on narrow terraced lots. Parts of this slope have a long history of landslides, and some streets have been closed or cut by them, so lenders, appraisers and insurers may ask for a geology report on the lot. The Palisades fire of January 2025 burned many houses here as well. A purchase may therefore be a standing house or a lot, and a lot on a slide-prone hillside is among the harder things to finance. Before you write an offer, find out what a geologist has said about the lot, what the city will allow to be built, and whether homeowners insurance can be had at that address.

Huntington Palisades is the level mesa south of Sunset Boulevard, between the village and the bluffs above Pacific Coast Highway, with Potrero Canyon on its west side and Chautauqua Boulevard on its east. Its streets curve in arcs, among them Alma Real Drive, Toyopa Drive, Pampas Ricas Boulevard and Corona del Mar, which runs along the bluff edge. It was planned in the 1920s.

Lots are wide and mostly flat, which is unusual so close to the ocean, and the houses are single-family homes of many ages and styles. Flat lots are simpler for an appraiser than hillside ones, but large individual houses still have few close matches. Properties on the bluff edge can bring questions about the stability of the bluff, and a lender may want a geology report there. Parts of this neighborhood burned in January 2025 and parts did not, so on one street there can be standing houses, building sites and empty lots. Ask what was damaged at the address, what insurance is available now, and, for a lot, which construction loans are offered.