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Loan Programs

Jumbo Loan

Financing above the applicable conforming loan limit.

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Overview

Jumbo loans exceed the conforming loan limit for the property’s county, unit count, and year. FHFA sets those limits. Whether a loan is jumbo depends on the loan amount, not simply whether the purchase price exceeds a particular number.

Lenders set their own jumbo credit, income, equity, and reserve requirements. Compare the full terms and ask whether a high-balance conforming option is available before choosing a jumbo product.

Who it's for

  • Buyers needing financing above the applicable conforming limit
  • Homeowners refinancing a larger mortgage

What's typically reviewed

  • Applicable county and unit-count loan limit
  • Credit, income, and debt review
  • Down payment or equity
  • Required reserves and appraisal

This is a general description, not a guarantee of approval. Specific requirements vary by lender and program. Final qualification is determined during underwriting.

Browse more programs

Other programs you might be looking for

Purchase Loan

Financing to buy a primary residence, second home, or investment property.

Rate & Term Refinance

Replace your current mortgage with a new one at a different rate or term — without taking cash out.

Cash-Out Refinance

Replace your existing mortgage with a larger loan to access available equity.

Conventional Loan

Mortgage financing that is not insured or guaranteed by a government agency.