Jumbo Loans
Explore borrowing above the applicable conforming loan limit.
Know the starting points.
- 💰 Down payment
- Lender-specific; 20% is a planning illustration
- 📊 Credit score
- Lender-specific, ask for the current minimum
- 🧮 Debt-to-income (DTI)
- Lender-specific, based on the full file
In simple terms
On a $300,000 price, a 20% illustration equals $60,000 down. Jumbo loan amounts and requirements must be confirmed for the property.
A jumbo loan exceeds the applicable conforming limit. There is no single minimum score, down payment, or DTI rule for all jumbo lenders.
General guidance, not approval criteria for every lender. Credit, property, income, reserves, and program availability are reviewed together.
Understand DP, credit score, and DTI ↗WHO IT MAY SUITStart with your scenario.
For higher loan amounts where the property and location require a jumbo financing review.
What to discuss
- Confirm the applicable limit for the property location and unit count.
- Discuss income verification, down payment, reserves, and credit.
- Compare available terms and total borrowing costs.
Are jumbo requirements the same at every lender?
No. Documentation, down payment, reserves, and other requirements vary by lender and loan scenario. Contact us to discuss available options.
How do I get a personalized review?
Tell us your goal and property state, then use the application portal if you are ready to provide the required information. Availability and approval depend on lender requirements and applicable licensing.
Read official borrower guidance ↗