Loan Program
Jumbo Loans
Financing for homes above conforming loan limits, structured for borrowers purchasing high-value properties with stronger credit and larger down payments.
What It Is
Jumbo loans are for home prices that exceed the conforming loan limit set annually for your county. Because they fall outside government-backed programs like conforming Fannie Mae and Freddie Mac loans, they come with their own underwriting standards.
Program Details
Jumbo Loans
- Minimum 680 credit score typical
- 20% down payment common
- High-balance underwriting
- Fixed and adjustable options
Down payment expectations vary by occupancy, property type, and credit profile, and underwriting is more detailed than on standard conforming files. We coordinate early with your agent and financial team so appraisals, asset documentation, and timing stay aligned, especially in competitive markets.
Situation outside standard guidelines - renovation, manufactured housing, alternative documentation, home equity, or investor financing? Explore Specialty & Niche Programs.
Common Questions
About Jumbo Loans
Educational only, not a loan offer or commitment to lend. Program terms, rates, and eligibility vary; talk with a loan officer for your file. NMLS #3446.