Jumbo Loan Higher loan amount, same flat process.

Financing for home purchases above the conforming loan limit.

A jumbo loan is a mortgage that exceeds the conforming loan limits set by the Federal Housing Finance Agency — the size threshold that Fannie Mae and Freddie Mac will buy from lenders. As of 2026, that's $806,500 in most U.S. counties and higher in designated high-cost areas.

Above the conforming limit, lenders take on more risk and price accordingly. The trade-off is buying power that conventional financing can't match.

How jumbo differs from conforming

Underwriting is stricter. Expect to see higher down-payment requirements (often 10–20%), tighter credit minimums (typically 700+), and meaningful liquid reserves at closing. Rates are usually a small premium over conforming, though in certain market conditions jumbo rates can actually run lower.

When jumbo makes sense

• Buying in a high-cost market where most homes price above the conforming limit.
• Refinancing a high-balance mortgage and pulling cash out.
• Move-up purchases for buyers with strong income and savings.
• Investment property financing where the loan size exceeds Fannie/Freddie limits.

Program features

• Loan amounts above $806,500 (2026 standard limit, higher in high-cost counties).
• Both fixed-rate and ARM structures available.
• Down payments typically 10–20%, sometimes 5% with strong credit and reserves.
• Tighter underwriting on income, assets, and credit.
• Available for primary, second, and investment properties (terms vary).

Buying above the conforming limit? Reach out — jumbo pricing varies meaningfully across investors, and we shop multiple to land you the best terms.

Get started today!

Tell us a little about your situation and we'll send personalized loan options within one business day.