Loanatik
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Home / Jumbo
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.

Check my options Call 480-588-0397

Who it’s for

Buyers and owners in Arizona, California, Colorado, and Nebraska financing a higher-value home that exceeds the conforming loan limit (a figure the FHFA sets annually, which varies by county).

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 — a figure the FHFA sets annually, which varies by county. 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.

See what you qualify for

A few questions, one screen. A licensed officer reviews it and comes back to you — no credit pull to start. 8 required answers, the rest optional.

We lend on homes in Arizona, California, Colorado and Nebraska. In a hurry? Call 480-588-0397.