Jumbo Loans

Jumbo loans—also known as non-conforming mortgages—are designed for buyers seeking financing that exceeds the limits set by Fannie Mae and Freddie Mac. These loans are ideal for high-value or luxury properties where traditional mortgage limits fall short.

Loan thresholds differ by location, starting around $766,550 in most regions and increasing in high-cost areas such as California and New York. Borrowers typically need a higher credit score, a larger down payment, and greater financial reserves compared to standard loans.

Perfect for qualified high-income buyers, Jumbo loans open the door to luxury homes and prime real estate markets that require substantial financing.