Jumbo Loans
Jumbo financing, done thoughtfully.
Above the conforming loan limit for your county, you're in jumbo territory. Each investor underwrites a little differently — which is exactly where a broker's shopping power pays off.
Jumbo at a glance
What's different about jumbo
- Loan size above the conforming limit (varies by county and year).
- Stronger reserves typically required — commonly 6–12+ months PITI.
- Higher credit standards — often 700+ and competitive for 740+.
- Investor variation — pricing, LTV, and docs differ meaningfully between lenders.
- Flexible structures — interest-only, ARMs, piggyback seconds.
Why work with a broker for jumbo
Banks tend to have one set of jumbo guidelines. We compare multiple investors in parallel, which can mean:
- Lower rate or better pricing at the same down payment
- Flexibility on asset documentation for business owners
- Access to portfolio products for unique properties (luxury, rural high-value, condo projects)
Considering a jumbo purchase?
Let's compare lenders quietly on your behalf before you're under contract.
Not a commitment to lend. NMLS ID# 205178.