Go Bigger With a Jumbo Loan
Finance high-value homes that exceed standard loan limits.
Ideal for luxury properties, competitive markets, and buyers who need more borrowing power.
What Is a Jumbo Loan?
A jumbo loan is a mortgage that exceeds conforming loan limits set by Fannie Mae and Freddie Mac (currently $766,550 in most areas). It’s used to buy or refinance high-priced homes that need more than standard financing.
How It Works
🏡 Loan amounts above $766,550 (varies by location)
📄 Stricter credit, income, and reserve requirements
📈 Fixed-rate and adjustable-rate options available
🔐 Typically requires 10%–20% down payment
Who Uses Jumbo Loans?
These loans are popular among buyers in high-cost markets, investors or self-employed borrowers with strong financial reserves, second-home or vacation property buyers, and high-income earners looking to purchase luxury homes.
Why High-End Buyers Choose Jumbo Loans:
🏠 Buy homes above standard limits
📉 No mortgage insurance in many cases
💼 Ideal for self-employed or high-income earners
📊 Customize with fixed or ARM terms
🌍 Great for vacation or multi-property buyers
Jumbo Loan FAQs
Usually not, even with less than 20% down—but lenders may require strong credit.
Sometimes slightly, due to increased lender risk—but rates can be competitive.
Yes! Jumbo loans can be used for primary, secondary, or investment properties.
About Us
Powered by LoanOfficer.ai, our websites leverages cutting-edge AI tools and one of the industry’s most optimized mortgage websites designed for speed, smart automation, and seamless borrower journeys.
Company NMLS: xxxxxx
Equal Housing Opportunity
Contact Us
More Links
Disclosures and License Information
Texas Mortgage Disclosure: Consumers wishing to file a complaint against a mortgage banker or licensed residential mortgage loan originator should contact the Texas Department of Savings and Mortgage Lending (SML). Visit [www.sml.texas.gov](https://www.sml.texas.gov) for instructions and to obtain a complaint form. Mailing Address: 2601 North Lamar, Suite 201, Austin, TX 78705 • Toll-Free: 1-877-276-5550 (Required per 7 TAC §80.200(b))
Licensed in Colorado. Regulated by the Colorado Division of Real Estate.
NMLS ID: XXXXXX • Visit https://dre.colorado.gov or call (303) 894-2166 to verify the license status or file a complaint.
Quick Links
© 2025 Your Brand Name. All Rights Reserved.