Access loan amounts exceeding conventional limits, perfect for luxury properties and high-cost real estate markets.
Choose from a variety of fixed-rate and adjustable-rate options tailored to your financial strategy.
Enjoy interest rates that are often comparable to conventional loans, despite the higher loan amounts.
Finance primary residences, second homes, and investment properties with specialized jumbo loan options.
Receive tailored guidance from experienced loan officers who specialize in high-value property financing.
Finance various luxury property types, including single-family homes, condos, and multi-unit properties.
See how jumbo loans compare to conventional and government-backed loans on key features that matter most to luxury homebuyers.
| Feature | Jumbo Loan | Conventional Loan | FHA Loan |
|---|---|---|---|
| Loan Limit | Exceeds conforming limits (Above $726,200 in most areas) | Up to $726,200 in most areas ($1,089,300 in high-cost areas) | Up to $472,030 for single-family homes in most areas |
| Down Payment | Typically 10-20% required | As low as 3% down | Minimum 3.5% down |
| Credit Score | Usually 700+ minimum | 620+ typically required | 580+ for 3.5% down |
| Mortgage Insurance | Usually not required | Required with less than 20% down | Required for the life of the loan |
| Debt-to-Income Ratio | Typically max 43% | Usually up to 45-50% | Usually up to 43-50% |
| Documentation | Extensive documentation required | Standard documentation | Standard documentation |
