Jumbo Loans

Financing above conforming loan limits

Who it may fit

• Buyers in higher-cost markets
• Move-up buyers purchasing larger homes
• Homeowners refinancing a higher loan balance

Things to know

• Jumbo guidelines vary by lender and often call for stronger credit and larger reserves.
• Down payment requirements are typically higher than for conforming loans.
• Documentation can be more detailed, so starting early helps.
• Fixed and adjustable options may be available.

Main benefits

• Finances loan amounts above the conforming limit.
• Fixed and adjustable options may be available.

Limitations & tradeoffs

• Usually requires stronger credit, larger down payments, and more reserves.
• Documentation and appraisal review can be more detailed.
• Adjustable-rate loans can change after the initial period; ask for the full terms.

Next step

Get a quote early so we can review documentation and reserves before you write an offer.

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Eligibility, terms, and availability depend on your situation and on lender and program guidelines, and are subject to change. Not all borrowers will qualify. No rates are quoted on this site.