Purchase loans
Jumbo
Financing for higher-value properties when the loan amount exceeds the conforming limits used by standard mortgage programs.
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Jumbo at a glance
Above conforming limits
Designed for loan amounts beyond standard agency limits.
Higher-value homes
Built for properties mainstream limits don’t cover.
Fixed & ARM options
Choose the structure that fits.
Primary or second home
Both may be eligible.
What is a jumbo loan?
Standard mortgage programs follow conforming loan limits. When a property’s price pushes the loan amount above those limits, jumbo financing takes over.
Jumbo loans are underwritten for larger amounts, with structures that include fixed-rate and adjustable-rate options for primary residences and second homes.
01
Higher-value property
02
Loan above limits
03
Jumbo financing
When jumbo financing may make sense
For purchases that sit above the limits standard programs are built around.
01Higher-value purchases
Buying a home that exceeds conforming loan limits.
02Second homes
Financing a vacation or secondary residence.
03Structure choice
Borrowers who want fixed or ARM options at higher amounts.
04Move-up buyers
Owners stepping up to a more expensive property.
Example scenario
See how it could work
The borrower
A buyer purchasing a $1.6M home.
The structure
Jumbo financing above the conforming limit.
The options
Fixed-rate or ARM structures.
The property
A primary residence or second home.
Illustrative example only. Actual financing structure, terms, eligibility, and availability vary.
Frequently asked questions
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Build your scenario and see whether Jumbo or another mortgage solution may be worth exploring.
Program recommendations are informational until reviewed by an appropriately licensed mortgage professional. All loans are subject to credit and property approval; terms, eligibility, and availability vary.