Jumbo Program
Jumbo Loan
Financing beyond conforming limits for luxury and high-value homes.
Jumbo loans exceed the conforming loan limits set by the FHFA and are designed for financing high-value properties. They require strong credit and financials.
10%
Min Down Payment
700
Min Credit Score
43%
Max DTI
Key Features
- Loan amounts exceeding conforming limits
- Available for primary, second homes, and investment
- Fixed and adjustable rate options
- Interest-only options available
- Competitive rates for qualified borrowers
Ideal For
- Luxury home buyers
- High-net-worth individuals
- Buyers in high-cost markets
- Those needing loans above $766,550 (2024 limit)
Weighing Your Options
Advantages
- Finance luxury properties
- Competitive rates for strong borrowers
- Flexible property types
- High loan amounts
Considerations
- Higher credit requirements
- Larger down payment
- More reserves needed
- Stricter underwriting
What You'll Need
- Minimum 700 credit score
- 10-20%+ down payment
- Significant cash reserves (6-12 months)
- Full income documentation
- Lower DTI ratio preferred
Apply for Jumbo
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Questions about Jumbo loans?