💰 Jumbo Loans: Financing High-Value Homes
💬 “When your dream home exceeds conventional loan limits, a jumbo loan bridges the gap.”
What Is a Jumbo Loan?
A jumbo loan is a mortgage that exceeds the conforming loan limit set by the Federal Housing Finance Agency (FHFA). For most U.S. counties in 2025, that limit is $806,500 — but in high-cost areas, it may go up to $1,209,750.
Loans above those limits are considered jumbo.
✅ Jumbo Loan Benefits
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Finance homes above standard loan limits
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No mortgage insurance required with 20%+ down
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Available for primary, second homes, and some investment properties
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Fixed and adjustable-rate options
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Available for purchase, refinance, or cash-out scenarios
📍 Check Your County Loan Limit
Use this lookup tool to find your local conforming loan limit. If your loan exceeds this amount, you may need a jumbo loan.
📊 Jumbo vs. Conforming Loan Comparison
| Feature | Conforming Loan | Jumbo Loan |
|---|---|---|
| Loan Limit | Up to $806,500 (standard) | Above $806,500 (or local cap) |
| Down Payment | As low as 3% | Typically 10–20%+ |
| Credit Score | 620+ | 700+ preferred |
| DTI Ratio | Up to 50% | Usually ≤ 43% |
| Mortgage Insurance | Required if <20% down | Not typically required |
| Interest Rates | Lower (backed by GSEs) | Slightly higher |
🧾 What You’ll Need to Apply
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Valid ID and Social Security number
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Recent pay stubs (last 30 days)
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2 years of W-2s and/or tax returns
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2 months of bank and asset statements
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Signed purchase contract
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Property appraisal
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Proof of reserves (6–12 months in some cases)
💬 FAQs
Are jumbo loans only for luxury homes?
No — they’re used anytime the loan amount exceeds conforming limits, even for modest homes in expensive markets.
Do jumbo loans have higher interest rates?
Sometimes, but not always. Well-qualified borrowers often receive competitive rates.
Can I use a jumbo loan for a second home or investment property?
Yes — with stricter guidelines and larger down payments.
🚀 Ready to Finance Your High-Value Home?
We’ll help you structure the right jumbo loan for your goals — with clarity, support, and speed.
🔵 [Apply Now]
📞 [Talk to a Jumbo Loan Specialist]
🔒 Disclosure
This is not a commitment to lend. Jumbo loans are subject to credit approval, underwriting review, and eligibility requirements. Not all applicants will qualify. Terms, rates, and conditions may vary. Additional documentation may be required.