Residential

Jumbo Mortgage Loans

Financing for high‑value homes that exceed conforming loan limits.

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What Is a Jumbo Loan?

Jumbo loans are non‑conforming mortgages that exceed the loan limits set by the Federal Housing Finance Agency (FHFA). They’re designed to help borrowers purchase luxury homes or properties in high‑cost markets where the price of entry exceeds conventional loan caps.

Because these loans cannot be sold to Fannie Mae or Freddie Mac, they carry stricter underwriting requirements, larger down payments and higher reserve requirements. However, they enable you to finance a single mortgage instead of combining multiple smaller loans.

Program Details

  • Loan Amounts: Up to $2 million or more, depending on property and borrower qualifications
  • Down Payment: Typically 20% or more; larger down payments may be required for multi‑unit or second homes
  • Credit Requirements: High credit scores (700+) and strong credit histories are preferred
  • Income & Reserves: Significant income and asset reserves needed to demonstrate ability to repay
  • Loan Terms: Fixed and adjustable‑rate options; ARM programs may feature lower introductory rates
  • No Prepayment Penalties: Many jumbo programs have no prepayment penalties, even on ARMs

Unlock Luxury Home Financing

If you’re purchasing a high‑value property, our jumbo loan experts can help you navigate guidelines and secure the best terms. Contact us to discuss your scenario.

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