High-Value Financing
Without the Limits
Jumbo loans finance homes that exceed conforming loan limits — with fixed and adjustable rate options, competitive terms, and maximum flexibility for qualifying borrowers.
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Financing built for homes
that exceed the standard.
Above conforming limitsDesigned for loan amounts exceeding FHFA limits
Up to 89.99% LTVOn primary residences depending on loan size and profile
Fixed & adjustable ratesChoose the rate structure that fits your long-term plans
Primary, second & investmentAvailable for multiple occupancy types
Single loan structureFinance the full amount under one mortgage — no splits
No prepayment penaltiesPrograms available with full prepayment flexibility
Luxury & high-cost marketsIdeal for buyers in premium real estate markets
Multiple lender optionsLendmire compares jumbo programs across top wholesale lenders
Custom loan structuringTailored to your income, assets, and financial profile
Program Snapshot
LTV limits, reserve requirements, and credit standards vary by lender, loan amount, and borrower profile. All loans subject to underwriting approval.
What Is a Jumbo Loan?
A jumbo loan is a non-conforming mortgage used to finance properties that exceed the conforming loan limits set annually by the Federal Housing Finance Agency (FHFA). For 2025, the baseline conforming limit is $806,500 in most U.S. markets — any loan above this threshold is considered a jumbo loan.
Because jumbo loans are not backed by Fannie Mae or Freddie Mac, they are funded by private lenders under their own guidelines. This typically means stricter credit, income, and asset requirements — but also greater flexibility in loan size and structure for qualified borrowers.
Some buyers attempt to avoid jumbo territory by splitting their financing into a first and second mortgage (a "piggyback" loan). A true jumbo loan simplifies this by consolidating financing into a single mortgage — one rate, one payment, one lender relationship — often at more favorable terms for well-qualified borrowers.
Fixed & Adjustable Rate Options
- 15-Year Fixed
- 20-Year Fixed
- 30-Year Fixed
- Predictable payment for the life of the loan
- Best for long-term ownership plans
- 5/6 ARM
- 7/6 ARM
- 10/6 ARM
- Lower initial rate with planned adjustment periods
- Best for buyers with defined ownership timelines
Who Qualifies & Eligible Properties
Typical Borrower Profile
Jumbo loans require stronger qualification than conforming mortgages. Lenders typically look for:
- Credit score of 700 or higher (720+ preferred)
- Full documentation of income and assets
- 6–12 months of reserves post-closing
- Debt-to-income ratio typically below 43–45%
- Strong employment history or documented self-employment
- Clean credit profile — limited late payments or derogatory marks
Eligible Property Types
- Single-family luxury homes
- High-value primary residences
- Second homes and vacation properties
- Some investment properties (program dependent)
- Properties in high-cost metro areas
- Condominiums and townhomes (lender review required)
Loan-to-Value by Occupancy & Loan Size
Primary Residence
Highest LTV available for owner-occupied properties:
- Up to 89.99% LTV on eligible loan amounts
- LTV decreases as loan amount increases
- Stronger credit profile supports higher LTV
- Full income and asset documentation required
- Reserve requirements vary by loan size
Second Home & Investment
Lower LTV limits typically apply to non-primary occupancy:
- Second home LTV typically up to 75–80%
- Investment property LTV varies by lender
- Higher reserve requirements than primary
- Stronger credit score typically required
- Rental income may or may not be counted
Financing for those who
demand more from their mortgage.
Finance high-value properties in premium markets with a single, streamlined mortgage rather than splitting across multiple loans
In markets where median home prices exceed conforming limits, jumbo loans are the standard path to homeownership — not a luxury product
High-earning borrowers with complex income structures — bonuses, RSUs, or self-employment — benefit from jumbo programs designed for sophisticated profiles
Finance vacation properties and second homes above conforming limits with fixed or adjustable rate structures tailored to your plans
Adjustable rate jumbo programs offer lower initial rates for buyers with defined ownership timelines — often significantly below 30-year fixed rates
Lendmire compares jumbo loan programs across top wholesale lenders to find the best rate, LTV, and structure for your specific profile
Lendmire complies with all federal and state mortgage regulations. Jumbo loan terms, approval, and availability are based on credit score, income documentation, property type, occupancy, and lender underwriting guidelines. LTV limits vary based on loan amount and borrower qualifications.
A Loan Estimate (LE) will be provided upon receipt of a completed application and required documentation. Jumbo loans are non-conforming products not backed by Fannie Mae, Freddie Mac, or any government agency. Lendmire LLC — NMLS #2371349. This is not a commitment to lend. All loans subject to credit and collateral approval.
News, guides &
market updates.
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DSCR Loans Mississippi: Investor Financing for Jackson, Biloxi & Gulf Coast
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DSCR Loans New Hampshire: Manchester, Lake Winnipesaukee & White Mountains
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DSCR Loans Oklahoma: Oklahoma City, Tulsa, Broken Bow & Norman
March 5, 2026Ready to finance your
next home?
Tell us about the property and your goals. We'll compare jumbo programs from multiple lenders and find the right structure for you.
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