High-value homes
Jumbo financing, without the jumbo runaround.
For homes priced above conforming loan limits — structured around your finances, with a local officer who moves at the speed of your purchase.
Who it’s for
Buyers and owners in Arizona, California, Colorado, and Nebraska financing a higher-value home that exceeds the conforming loan limit (roughly $806,500 in most areas for 2025, higher in some high-cost counties).
Why borrowers choose our jumbo
- Financing above conforming limitsLoan amounts sized for high-value homes.
- Flexible structuresFixed and adjustable options, structured around your income and assets.
- Self-employed friendlyWe’re comfortable with complex income and can guide the documentation.
- Responsive, senior guidanceA dedicated officer who returns your calls and keeps the deal moving.
General guidelines
Typical starting points — jumbo guidelines are stricter and vary by lender. Your officer confirms what fits your finances.
Credit score
700+
Jumbo generally expects stronger credit.
Down payment
10%–20%+
Often higher than conforming; varies by loan size.
Reserves
Often required
Lenders may want cash reserves after closing.
Common questions
When do I need a jumbo loan?
When your loan amount exceeds the conforming limit for your county — roughly $806,500 in most areas for 2025, and higher in some high-cost markets. We’ll confirm the limit where you’re buying.
Are jumbo rates much higher?
Not necessarily — pricing depends on your credit, down payment, and the overall strength of your file. We’ll show you real options rather than assumptions.
Can I get a jumbo loan if I’m self-employed?
Yes. We work with complex and self-employed income regularly and will guide you through the documentation.
How much do I need to put down?
Often 10–20% or more depending on the loan size and program. Your officer will lay out the options for your price point.
Ready when you are
Let’s structure your jumbo loan.
Answer a few quick questions — no impact to your credit to check — and a specialist will follow up.