Need to exceed conforming loan limits? Jumbo loans give you the purchasing power to secure luxury homes and high-value properties with competitive rates and flexible terms tailored to strong borrowers.
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A jumbo loan is a mortgage that exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA). Because these loans cannot be purchased by Fannie Mae or Freddie Mac, they are held by private lenders and carry unique qualification requirements.
Jumbo loans start where conforming loans end — at $766,550 or more for most areas. If your dream property exceeds standard loan limits, a jumbo loan provides the financing you need without compromise.
Designed for buyers seeking luxury residences, estate properties, and premium real estate. Jumbo loans unlock access to the highest tier of the housing market with loan amounts well into the millions.
Whether it's a sprawling single-family estate, a penthouse condo, or a high-end investment property, jumbo loans provide the substantial financing required for properties that exceed conventional boundaries.
Jumbo loans are built for qualified borrowers who need financing beyond conventional limits. Here's what makes them a powerful option.
Finance properties well beyond conforming loan limits. Jumbo loans provide the capital you need for luxury homes and high-value real estate, with loan amounts reaching into the millions.
Well-qualified borrowers with excellent credit and substantial assets can secure highly competitive interest rates, often comparable to or even better than conventional loan pricing.
Choose from fixed-rate and adjustable-rate options with terms ranging from 15 to 30 years. Customize your loan structure to match your financial strategy and long-term goals.
Jumbo loans have stricter qualification standards than conventional mortgages. Here's what lenders typically look for.
Most jumbo lenders require a minimum credit score of 700, with the best rates reserved for scores of 740 and above. A strong credit history demonstrates your ability to manage large financial obligations.
Jumbo loans typically require a down payment of 10% to 20%, depending on the loan amount and lender. A larger down payment can help you secure a lower interest rate and avoid additional requirements.
Lenders want to see that you have 6 to 12 months of mortgage payments in liquid reserves after closing. This demonstrates financial stability and your ability to handle payments even during unexpected circumstances.
Your total monthly debt obligations, including the new mortgage payment, should not exceed 43% of your gross monthly income. Some lenders may allow exceptions with strong compensating factors such as significant reserves.
Jumbo loans can be used for a wide range of high-value property types. Here are the most common options.
Estate properties, custom-built homes, and high-end residences in premium neighborhoods. Finance the home you've always envisioned with loan amounts that match your aspirations.
Penthouses, luxury condominiums, and high-rise units in desirable urban locations. Secure financing for premium vertical living with views and amenities that define upscale city life.
Second homes in resort destinations, lakefront properties, and mountain retreats. Finance your ideal getaway with jumbo loan terms designed for vacation and seasonal properties.
High-value rental properties, multi-unit buildings, and premium investment real estate. Leverage jumbo financing to build your portfolio with properties that generate substantial returns.
From consultation to closing, we guide you through every step of the jumbo loan process with personalized attention.
Meet with a jumbo loan specialist to discuss your property goals, financial profile, and loan options. We'll outline what to expect and help you understand your purchasing power.
Submit your financial documentation including income verification, asset statements, and tax returns. We'll provide a pre-approval letter so you can shop with confidence.
Our underwriting team conducts a thorough review of your file while a certified appraiser evaluates the property. Jumbo appraisals may require additional scrutiny for high-value homes.
Sign your final documents and receive the keys to your luxury property. We coordinate with all parties — title, escrow, and attorneys — to ensure a seamless, on-time closing.
Get answers to the most common questions about jumbo home loans.
Tell us about your goals and one of our jumbo loan specialists will reach out within 24 hours.
Get pre-approved quickly so you can compete for luxury properties with confidence and make strong offers in competitive markets.
Work with experienced loan officers who specialize in high-value transactions and understand the unique needs of luxury property buyers.
We shop multiple lenders to find you the most competitive jumbo loan rates, often rivaling or beating conventional pricing.
From application to closing, enjoy a premium experience with transparent communication, no hidden fees, and dedicated support at every step.
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