Jumbo Loans
Jumbo Mortgage Loan Programs
Larger mortgage loans that exceed the conforming loan limits set by Fannie Mae and Freddie Mac, typically for high-value properties.
How a Jumbo Loan Works
Exceeds Loan Limits
Finance high-value properties with loan amounts that go beyond the conforming limits set by government agencies.
Flexible Underwriting
We offer both Full Doc and Bank Statement income verification to suit your financial profile.
Luxury Home Financing
Ideal for purchasing primary residences, second homes, and luxury investment properties.
Loan Parameters At-a-Glance
Jumbo Mortgage Loan Highlights
- High Loan Amounts: Jumbo loans allow borrowers to finance a high loan amount, making them ideal for high-end properties or expensive real estate markets. Currently, for the year 2025, Jumbo loans are classified as any loan exceeding the conventional loan limit, set at $816,500 for a single family home.
- Down Payment: Jumbo loans typically require a larger down payment compared to conventional loans, with the lowest down payment options usually at 10% down.
- Credit score: Jumbo loans usually require a higher credit score, typically above 680, with some programs requiring a score of 720 or higher.
- Loan limits: Jumbo loans are not limited by the conforming loan limits set by Fannie Mae and Freddie Mac. The 2025 loan limits for standard areas are:
- 1 Unit Property - $816,500
- 2 Unit Property - $1,045,750
- 3 Unit Property - $1,264,050
- 4 Unit Property - $1,570,800
- Fixed or Adjustable Rate Options: Jumbo loans offer both fixed and adjustable rate options, allowing borrowers to choose the best option for their financial situation and goals.
- Loan Terms: Jumbo loans are typically available with 15- or 30-year terms, although other options may be available.
- Underwriting Requirements: Jumbo loans require a thorough full doc underwriting process, which considers the borrower's credit score, income, assets, and debt. To use alternative income methods for Jumbo loans please see our Non QM Mortgage loan options!
Jumbo Loan Programs for Primary and Secondary Homes go up to 90% LTV with No Mortgage Insurance!
- As Low as 10% Down
- Credit Scores From 600
- Up to 50% DTI
- Full Doc & Bank Statement Income Verification Available
- 1 Year Tax Return Verification Available
Jumbo Mortgage Loan Program Terms:
- Up to 90% LTV
- Up to 80% LTV Cash Out Refinance
- Primary, Second Homes & Investment Property
- 680 Min FICO
- 1-4 Units, Condos & PUDS Eligible
- 1 or 2 Year Full Documentation Required
- Up to 50% DTI
Get an Instant Mortgage Rate Quote from The Mortgage Calculator
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Real-time mortgage pricing across conventional, FHA/VA, DSCR, bank statement, non-QM and more. Compare options and move to a full application when ready.
Programs We Price
Conventional, FHA, VA, USDA, jumbo, investor DSCR, bank statement, asset depletion, non-QM, HELOCs and more.
How Quotes Work
We use your scenario (location, credit band, property/occupancy, LTV) to match eligible programs and display live-like rates.
Next Steps
Lock a rate or continue to the full 1003. Your MLO team helps optimize terms and documentation for a smooth closing.
Loan Programs Available: FHA Mortgage Calculator, Conventional Mortgage Calculator, VA Mortgage Calculator, USDA Mortgage Calculator, Non-QM Mortgage Calculator, DSCR Mortgage Calculator, Fix & Flip Mortgage Calculator, Construction Mortgage Calculator, JUMBO Mortgage Calculator
Frequently Asked Questions for Jumbo Mortgage Loans
About The Mortgage Calculator
The Mortgage Calculator is a licensed Mortgage Lender (NMLS #2377459) specializing in using technology to provide access to Conventional, FHA, VA, and USDA Programs, as well as thousands of Non-QM mortgage loan variations.
Our team of over 450 licensed Loan Originators can assist with Bank Statement Mortgages, DSCR Investor Mortgages, Commercial Mortgages, Fix and Flip Mortgages, and thousands more!