Maybe it's too late, but in the Bay Area banks sometimes make jumbo loans with as little as 5% or less down. (At least, that was my understanding circa 2014 whe

Maybe it's too late, but in the Bay Area banks sometimes make jumbo loans with as little as 5% or less down. (At least, that was my understanding circa 2014 when discussing these things with a loan officer.) Mortgage insurance sucks, but if you had bought 3 years ago you might have been able to achieve 20% equity (appreciation and savings) and refinanced by now.