Jumbo
Loan amounts above the conforming limit — purchase and refinance
Financing above the conforming loan limit for higher-priced homes, with fixed and ARM options, interest-only structures and flexible reserve requirements from multiple investors.
- Min. down
- 10–20%
- Loan amounts
- To $3M+
- Min. credit
- 680–720
- Reserves
- 6–24 months
Best for
- Loan amounts above conforming limits
- High-cost markets
- Strong reserves
- Self-employed borrowers (bank statement options)
Structure
30-year fixed, 7/6 and 10/6 ARMs, and interest-only options. Investors differ widely; we shop multiple jumbo investors for your scenario.
Documentation
Full documentation, or bank-statement and asset-depletion programs for business owners and retirees.
Run your numbers
*Program summaries are general information. Guidelines, loan limits and pricing change; eligibility is determined during underwriting.