Remember that the subject is never part of a prepositional phrase. The subject of a verb will never be part of a prepositional phrase. A prepositional phrase begins with a preposition [in, on, at, between, among, etc.] and ends with a noun, pronoun, or gerund.
Jumbo loan limits in California range from $417,000 to over $600,000. The median value of a home in California is more than double the median values of homes for United States as a whole, even though the median income is only slightly higher.
Hello my name is Greg Bleyl. It sounds like you are buying down your rate pretty drastically. A zero point loan should be around $1500 adjusted origination fee on a Jumbo loan. If your loan is zero points and FHA or va the adjusted origination fee should be well under $1000 and conventional conforming just over $1000. You should also get a lender credit equal to your application fee at closing from a good bank.