Jumbo home loans with a clear plan—
from quote to keys.
If you're purchasing above conforming limits, a jumbo loan can help you finance a higher-priced home. Tell me what you're trying to do and I’ll guide you to the cleanest option—fast.
Disclaimer: All loans subject to credit approval. Terms, rates, and requirements vary by loan program and investor guidelines. This page is informational and not a commitment to lend.
What is a jumbo loan?
A jumbo loan is a mortgage that exceeds conforming loan limits. Because it’s above those limits, jumbo financing typically involves additional review of credit, assets, and income.
When a jumbo loan makes sense
Jumbo loans are common for higher-priced homes or buyers who want to preserve liquidity. We’ll structure it based on your full picture.
Flexible structures
Fixed or ARM options may be available depending on loan size, occupancy, and investor guidelines.
Asset strength matters
Strong reserves and verified assets can expand options and improve execution.
Strategy + speed
We’ll keep it organized so you can compete without scrambling at the last minute.
Typical jumbo loan requirements
Requirements vary by program/investor, but here’s what’s commonly reviewed:
Credit profile
Higher credit scores are often expected for jumbo financing. I’ll review your scenario and recommend a path if needed.
Down payment
Down payment expectations vary by loan amount, occupancy, and property type. I’ll model options that match your goals.
Reserves & assets
Many jumbo programs look for post-close reserves (verified funds left after closing).
FAQ
Do jumbo loans always require 20% down?
Not always. Down payment requirements vary by program, loan amount, occupancy, and borrower profile.
Can I do a jumbo loan if I’m self-employed?
Yes—many borrowers are. Expect deeper income verification depending on the program.
How fast can we close?
It depends on documentation readiness, appraisal timing, and underwriting. If your docs are organized, jumbo files can move quickly.