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PURCHASE FINANCING

Jumbo loans

Jumbo financing may be considered for loan amounts above standard conforming limits.

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A useful starting pointEvery mortgage has its own terms, costs, and qualification requirements. Use this overview to prepare questions and compare written loan estimates.

THE OVERVIEW

How this option works

A jumbo mortgage is generally a mortgage amount above the conforming loan limit that applies to the property’s location and unit count. Limits can change over time, and some high-cost areas have different limits.

Jumbo loans are not one uniform product. Lenders may set different requirements for credit, down payment, cash reserves, debt, property type, and documentation. Pricing and terms vary, so compare the full loan estimate.

MAKE THE CONVERSATION COUNT

Questions to ask

Ask for the details in writing and compare the total cost, payment, and terms for your own scenario.

  • Does the requested amount exceed the current limit for this county?
  • What documentation, reserves, and property conditions are required?
  • How do the jumbo quote and a conforming alternative compare in total cost?
General information only. Program rules, rates, and lender availability can change. This page is not an offer, approval, or personal recommendation. Review current written terms with a qualified mortgage professional.

Official information: FHFA: Conforming loan limits ↗

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