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.
No Down Payment. No PMI. No Hassle—With a VA Loan
Exclusive benefits for veterans, active-duty service members, and eligible spouses.
Buy or refinance a home with no down payment and flexible qualification standards.
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.
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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))
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NMLS ID: XXXXXX • Visit https://dre.colorado.gov or call (303) 894-2166 to verify the license status or file a complaint.