Jumbo Home Loans – Buy Your Dream Home with Ease!
Looking to finance a high-value home? Our Jumbo Home Loans offer competitive rates and flexible terms for loan amounts exceeding conventional limits. Get pre-qualified today!
Do I Qualify for a Jumbo Home Loan
Jumbo loans are designed for borrowers who need financing above conventional loan limits ($766,550 in most areas for 2024). To qualify, lenders typically require:
✔ A strong credit score (typically 700 or higher)
✔ A low debt-to-income (DTI) ratio (usually under 43%)
✔ A minimum down payment of 10-20%
✔ Significant cash reserves (some lenders require 6-12 months of mortgage payments in savings)
✔ A high-value home that meets appraisal requirements
Because jumbo loans are not backed by government entities like Fannie Mae or Freddie Mac, they have stricter qualification standards. However, they offer the flexibility needed to finance luxury properties, vacation homes, or real estate in high-cost areas.
Here’s how it works:
- Check Your Eligibility – See if a jumbo loan is right for you.
- Get Pre-Approved – Know your budget before house hunting.
- Find Your Dream Home – Choose a property within your loan limits.
- Submit Your Loan Application – Provide income, asset, and credit details.
- Home Appraisal & Underwriting – Verify the home’s value and finalize approval.
- Close & Move In – Sign the paperwork and secure your financing!
We specialize in helping high-net-worth borrowers navigate the jumbo loan process seamlessly.
- Complete our simple Jumbo Loan Qualifier
- Adjustable Rate Mortgage (ARM)
- Receive options based on your unique criteria and scenario
- Choose the offer that best fits your needs
✔ Higher Loan Limits – Finance homes beyond conventional loan caps
✔ Competitive Interest Rates – Enjoy favorable terms for high-value properties
✔ Flexible Loan Terms – Choose between fixed or adjustable rates
✔ No Private Mortgage Insurance (PMI) – Most lenders waive PMI with 20% down
✔ Ideal for Luxury Homes, Investment Properties & High-Cost Areas
Jumbo loans provide greater purchasing power, making them a top choice for buyers in expensive real estate markets
