Jumbo Loans for High-Value Homes and Luxury Properties
Explore your options for jumbo mortgage loans designed to exceed conforming loan limits. Perfect for luxury buyers and high-income homeowners.
Discover Powerful Jumbo Loans for Luxury Homebuyers
Explore your options for jumbo mortgage loans that go beyond conforming loan limits—ideal for high-value real estate, affluent homeowners, and self-employed borrowers looking for flexible, high-capacity lending.
What Is a Jumbo Loan?
A jumbo loan is a mortgage that exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA). Because they aren't backed by Fannie Mae or Freddie Mac, jumbo mortgage loans have more stringent credit requirements but provide flexible options for financing high-value real estate.
Types of Jumbo Loans
Depending on your financial goals, several types of jumbo loans may be available. Each comes with unique features designed to meet the needs of luxury homebuyers and investors:
- Fixed-Rate Jumbo Loans: Ideal for buyers who want consistent monthly payments and long-term stability.
- Adjustable-Rate Jumbo Loans (ARMs): Lower initial rates; suitable if you plan to refinance or sell in a few years.
- Interest-Only Jumbo Loans: Lower initial payments; designed for high-net-worth individuals with flexible cash flow.
- VA Jumbo Loans: Available to eligible veterans with expanded benefits and minimal down payment.
Benefits of Jumbo Mortgage Loans
- Finance luxury homes above jumbo loan limits
- Flexible loan terms, including 15- and 30-year fixed options
- Competitive interest rates based on borrower profile
- Access to VA jumbo loan programs for eligible veterans
- Higher debt-to-income (DTI) ratios allowed for qualified applicants
- Ideal for self-employed borrowers or high-net-worth individuals
Who Qualifies for a Jumbo Loan?
Jumbo loan qualifications often include:
- Credit score of 680 or higher (720+ preferred)
- Stable, high-income and documented assets
- Low DTI (typically under 45%)
- Significant reserves (6–12 months of mortgage payments)
- Down payment of 10–20% (varies by lender)
2025 jumbo loan amount begins at $766,550 in most areas, but thresholds vary by location.
Common Uses for Jumbo Loans
- Buying luxury primary or secondary homes
- Financing investment properties
- Refinance jumbo loans for lower rates or cash-out
- VA-eligible veterans using VA jumbo loan benefits
- Interest-only jumbo loans for flexible monthly payments
Start Your Jumbo Loan Pre-Approval
Apply today and explore customized loan options that fit your financial profile and property goals.
Apply for a Jumbo LoanFrequently Asked Questions About Jumbo Loans
What is the jumbo loan limit in 2025?
In most U.S. counties, any mortgage above $766,550 is considered a jumbo loan in 2025. Some high-cost areas have higher thresholds.
Can I refinance a jumbo loan?
Yes! You can refinance a jumbo loan to get a lower rate, switch terms, or cash out equity.
Are VA jumbo loans available?
Yes. Veterans with full VA entitlement can use VA jumbo loans without a down payment, depending on lender guidelines.
Can I get a jumbo loan with a 10% down payment?
Yes. Some lenders allow qualified borrowers to obtain jumbo loans with just 10% down, especially with strong credit and income documentation.
Do jumbo loans have higher interest rates?
Jumbo loan rates can be slightly higher due to the risk factor, but many lenders offer competitive rates for financially strong borrowers.