Jumbo Bank Statement
$980,000
Self-employed buyer on bank statements
Laguna Niguel, CA
Rate6.875%Closed in38 days
NMLS #288015San Clemente, CANew American Funding
Direct line. Honest math. Close on time.
South Orange County mortgages. Specialized in jumbo, self-employed, and refinance. Twenty-three years, 280+ five-star reviews.
Showing slide 1 of 5: San Clemente pier at golden hour
Meet Tom
A local expert, not a call center.
Tom JessopNMLS #288015
I'm Tom Jessop, a licensed Loan Consultant (NMLS #288015) with New American Funding. Twenty-three years writing mortgages in South Orange County. 280+ five-star reviews from clients across Southern California.
My specialty is the deals that don't fit a template: jumbo and high-balance loans up to $1.1M, self-employed buyers using bank statement programs, refinances where the math is the whole conversation, and investors building portfolios with DSCR loans. Anything California-specific (high-balance limits, rent control on investment properties, down payment assistance) I've already navigated dozens of times.
The model is straightforward. One loan officer, start to finish. Direct line. Honest math before you commit. Close on time. That's been the business for 23 years.
- 280+
- Client Reviews
- 4.9/5
- Average Rating
- 20+
- Loan Programs
- 14-Day
- Fast Closings
Loan Programs
The full suite.Matched to your file.
Specialized in jumbo, self-employed, and refinances in South Orange County. Built for the deals that don't fit a template.
- 01
Home Purchase
Conventional, FHA, VA, and jumbo. First home or fifth, you get one loan officer from pre-qual to keys. No call-center handoffs.
- 02
Self-Employed Mortgages
Bank statement programs that qualify you on deposits, not tax returns. Built for business owners, 1099 earners, and freelancers who got told no by the bank.
- 03
Refinance
Lower your rate, shorten your term, or pull equity. You see the side-by-side math before you commit. Closing costs can be rolled in if a zero out-of-pocket refi makes sense.
- 04
Jumbo & High-Balance
Financing above the $766K conforming limit, up to $1.1M+ in California's high-value counties. Local expertise for San Clemente, Orange County, and LA.
- 05
Investment Property
Rentals, multi-units, and DSCR loans that qualify on rental cash flow instead of your personal income. Built for buyers growing a portfolio.
- 06
Rate Buydowns & CA Programs
Temporary and permanent buydowns, down payment assistance up to $6,000, and clear answers on California's rent control and high-balance rules.
Tools
Run the math before you call.
Six calculators in one place. Move a slider, change a rate, see the answer instantly. When the numbers look right, we'll run them for real, no credit pull, no commitment.
What you'd pay each month, PITI included.
20% down
$
20%
0% – 50%
$190,000 down · $760,000 loan
%
Taxes, insurance, HOA
%
$
$
Monthly payment (PITI)
$6,013
Principal, interest, tax, insurance and HOA combined.
Principal & interest
$4,993
Property tax
$871
Insurance
$150
HOA
$0
Total interest over life
$1.04M
Loan amount
$760k
Calculator results are for illustration only and do not constitute a loan offer, rate lock, or commitment to lend. Actual approval and pricing are subject to full credit, income, asset, and appraisal review. Rates and terms are subject to change without notice. Not all applicants will qualify. Programs vary by state. Tom Jessop, NMLS #288015. New American Funding, Company NMLS #6606, is an Equal Housing Lender.
Why work with me
What you get with a local loan consultant vs. the online giants
Tom Jessop
Online Lender
- Who picks up the phone
- Tom JessopMe, every time
- Online LenderDifferent rep, every call
- Local CA expertise
- Tom Jessop23 years in South OC
- Online LenderOut-of-state call center
- Loan options
- Tom JessopFull suite incl. jumbo, DSCR, bank statement
- Online LenderLimited products
- Rate transparency
- Tom JessopEditable estimates upfront
- Online LenderBait-and-switch common
- Self-employed friendly
- Tom JessopYes
- Online LenderNo
- Close on time
- Tom JessopAs quickly as 2 weeks
- Online LenderDelays common
Recently closed
Real deals.Anonymized math.
A sample of files closed over the last 90 days. Names removed, math intact.
Conventional Refinance
$620,000
Refinance rolling closing costs in
Dana Point, CA
Rate6.500%Closed in26 days
FHA Purchase + DPA
$715,000
First-time buyer with CalHFA assistance
San Clemente, CA
Rate6.625%Closed in32 days
DSCR Investment
$540,000
Investor stacking a DSCR rental
Oceanside, CA
Rate7.375%Closed in41 days
Jumbo Purchase
$1,420,000
Move-up buyer on a 2-1 buydown
Talega, CA
Rate6.500%Closed in44 days
Bank Statement Cash-Out
$865,000
Self-employed refi to pull equity
San Clemente, CA
Rate7.125%Closed in34 days
Sample of closings over the last 90 days. Closing timelines vary by loan type, market conditions, appraisal, and applicant circumstances. Rates shown reflect the day of lock and are not currently available. Past performance does not guarantee future results.
Reviews
“Tom made our first home purchase stress-free. He explained every option, got us an incredible rate, and closed in under 35 days. We've already referred two friends.”
David & Michelle R.
San Clemente
Testimonials reflect individual client experience with Tom Jessop. Results depend on your specific loan program, credit, property, and market conditions. Individual results may vary. Testimonials do not guarantee future performance.
Questions
The questions clients actually ask before we get started.
Get started
Let's talk about the numbers.
- Direct line
- 949-285-0660
- scloans@gmail.com
- Based in
- San Clemente, CA