Jumbo financing for homes above the limit.
Finance homes that exceed the 2026 conforming loan limit of $832,750 in most U.S. counties. Fixed and adjustable-rate options with up to 89.99% LTV for primary residences, plus specialty programs for self-employed high earners and asset-rich borrowers.
A loan beyond the conforming cap.
A jumbo loan is a mortgage used to finance homes that exceed the conforming loan limits set annually by the Federal Housing Finance Agency. For 2026, the baseline conforming limit in most U.S. counties is $832,750. High-cost areas go up to $1,249,125, and Alaska, Hawaii, Guam, and the U.S. Virgin Islands cap at $1,873,675. Any loan amount above the applicable limit is, by definition, non-conforming — it cannot be purchased or guaranteed by Fannie Mae or Freddie Mac.
Because jumbo loans stay on the lender’s books or move through private investor channels, underwriting is generally stricter — stronger credit, deeper reserves, full asset documentation. In exchange, jumbo programs offer loan sizes and structural flexibility unavailable through conforming products. Lendmire works with multiple wholesale lenders offering jumbo programs tailored to different borrower profiles — from portfolio lenders with physician loan programs to specialists serving self-employed high earners.
Three paths through jumbo financing.
Purchase, refinance, or finance a second home — each structured for a different use case at jumbo scale.
Jumbo Purchase
Up to 89.99% LTV on primary residences. Fixed-rate and ARM options (5/6, 7/6, 10/6). Full-doc underwriting with asset verification.
Jumbo Refinance
Refinance an existing jumbo to lower your rate, shorten your term, or access equity from a high-value home. Cash-out LTV varies by lender and borrower profile.
Second Home & Investment
Jumbo financing for second homes and select investment properties. Lower LTV caps than primary residences, with strong programs available for borrowers with deep reserves.
Jumbo financing, structured around you.
Jumbo underwriting is about profile, not pattern. A W-2 executive with stable income gets a different jumbo program than a self-employed entrepreneur with irregular cash flow and substantial assets. The borrowers who fit jumbo financing rarely fit the same box twice.
We work with multiple wholesale lenders specializing in different jumbo corners — portfolio banks, asset-based lenders, and full-doc jumbo desks. That lets us match the loan to the borrower instead of forcing the borrower into whichever jumbo program a single lender happens to offer. The result: faster approvals, great rates, and structures that actually fit.
Larger loans, tailored structure.
Know before you borrow.
Jumbo loan guides, conforming-vs-jumbo comparisons, and high-value financing strategies from our licensed loan officers.
-
Navigating Homeownership: Know Your Needs
You may think that the first step to buying a home is to make an offer. While that is an exciting milestone, there are plenty of things you…
-
How to save for a down payment
It might seem like it will be costly to purchase a home, and you might think that you will have a considerable down payment. Oftentimes, because people think…
-
Can I Afford a Mortgage?
If you’re getting ready to start house shopping, you’ve probably taken a good look at your budget and wondered how much house you can afford. Maybe you’re asking…
Tools to move from reading to action.
Jumbo calculator
Run the numbers on a jumbo loan — principal, interest, taxes, insurance, and the LTV scenarios that affect pricing.
Calculate Tool TwoGet pre-approved
Start your jumbo pre-approval in under 30 seconds. A Lendmire specialist will follow up to match you with the right jumbo program.
Start Tool ThreeBrowse programs
See every loan program Lendmire offers — from jumbo to conventional to DSCR — and find the right fit.
BrowseReview jumbo options in about 30 seconds.
See jumbo financing available for your home purchase or refinance. No commitment required.
Get Pre-Approved