Loan Options

Jumbo Loans

“Financing for higher-priced homes.”

A jumbo loan is a mortgage for an amount above the conforming loan limits set each year for conventional loans. Jumbo financing is used for higher-priced properties that exceed those limits.

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Who it may be a good fit for

Buyers of higher-value homes above the annual conforming loan limit
Borrowers with strong credit, stable income, and cash reserves
Move-up buyers and buyers in higher-cost markets

Key things to know

Credit, income, and reserve requirements are typically stricter than conforming loans
Down payment expectations may be higher
Conforming limits change each year, so whether a loan is 'jumbo' can change

What you'll typically need

Detailed income documentation and tax returns
Bank, asset, and reserve statements
Photo ID and information on your debts

Last reviewed: July 2026. This page is general education, not a loan approval or commitment to lend; program details vary by lender and can change. Learn more from Consumer Financial Protection Bureau.

Good to Know

Jumbo Loans FAQs

What makes a loan a jumbo loan?

It's a loan amount above the conforming limit set each year. Because that limit changes annually and varies by area, the threshold can move over time.

Are jumbo loans harder to qualify for?

They often have stricter credit, income, and reserve requirements. As a broker, I can compare multiple lenders' jumbo guidelines to find the best fit.

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