Jumbo Loan Program
Our Jumbo Loan Program is designed for homebuyers seeking to finance properties that exceed the standard conforming loan limits set by the Federal Housing Finance Agency. If you’re purchasing a high-value home or investing in luxury real estate, a jumbo loan can provide the larger loan amounts you need, with flexible options tailored to your financial profile.
Jumbo - Key Features
Finance properties with loan amounts above $806,500 in most areas for 2025 (higher limits apply in select high-cost regions)
Loan amounts can often extend up to $2 million or more, depending on the lender and your qualifications
Both fixed-rate and adjustable-rate mortgage options available
Can be used for primary residences, second homes, and investment properties
Key Features:
Minimum credit score typically required is 700–720, though some lenders may consider slightly lower scores with strong compensating factors
Down payment requirement usually ranges from 10% to 30%, with 20% being most common
Debt-to-income (DTI) ratio generally must be 43% or lower
Substantial cash reserves required-often enough to cover 6 to 12 months of mortgage payments
Proof of stable, high income and thorough documentation of assets and liabilities
Property appraisal required; high-value homes may need two separate appraisals in some cases
