Jumbo Loans
Financing for homes above conforming limits.
Program Overview
What is a Jumbo Loan?
Jumbo loans finance homes that exceed conforming loan limits set by Fannie Mae and Freddie Mac — typically $766,550 in most U.S. markets and up to $1,149,825 in high-cost areas.
Whether you're buying a luxury primary residence, a high-value second home, or a premium investment property, our jumbo programs offer competitive rates with flexible structures tailored to high-net-worth borrowers.
Key benefits
Why Borrowers choose this loan?
Loan Amounts to $3M+
Finance high-value properties with a single loan.
Competitive Rates
Jumbo rates are often comparable (or better than) conforming.
Flexible Down Payments
As little as 10% down on qualifying loan amounts.
Fixed & ARM Options
Choose 30-year fixed or interest-only ARM structures.
Investment & Second Homes
Available for primary, second, and investment properties.
Asset-Based Qualification
Alternative income documentation available for self-employed borrowers.
eligibility
Do you Qualify?
Every borrower's situation is unique. Below are typical guidelines. Our loan officers will review your specific scenario and confirm eligibility quickly.
✔ Credit score typically 700 or higher
✔ Down payment of 10–20% depending on loan amount
✔ Debt-to-income ratio under 43%
✔ Reserves of 6–12 months of mortgage payments
✔ Two years of employment / income documentation
