Jumbo Loans - Lendmire
Loan Program

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.

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The Fundamentals

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.

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Program Options

Three paths through jumbo financing.

Purchase, refinance, or finance a second home — each structured for a different use case at jumbo scale.

Most Popular

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.

Rate/Term + Cash-Out

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.

Vacation & Investment

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 underwriting requires strong credit, full income documentation, asset verification, and typically significant reserves. LTV caps vary by loan size, occupancy, and borrower profile. All loans subject to credit and underwriting approval — and lender program eligibility.
Why Lendmire

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.

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Program Highlights

Larger loans, tailored structure.

89.99% LTV
Up to 89.99% financing on primary residences, subject to credit profile and loan size. Some programs offer higher LTV for exceptional borrowers.
Fixed + ARM Options
Choose fixed-rate stability for long-term holds, or adjustable-rate (5/6, 7/6, 10/6) to optimize for a planned ownership horizon.
Flexible Documentation
Full-doc jumbo is standard, but we also offer asset-based qualification, bank statement jumbo, and specialty programs for self-employed or high-asset borrowers.
No Prepayment Penalty
Most jumbo programs allow early payoff without penalty — refinance or pay down aggressively without losing flexibility.
Also Consider

Programs worth comparing.

If the loan amount fits conforming limits — or your documentation structure fits better elsewhere — these alternatives may deliver better economics.

Conforming Limit

Conventional Loan

For loan amounts at or below the conforming limit, conventional financing often offers lower rates and more flexible underwriting than jumbo.

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Self-Employed

Bank Statement Loan

Qualify on 12 months of bank deposits instead of tax returns. Up to $6M loan amounts — covers many jumbo scenarios for self-employed high earners.

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Real Estate Investors

DSCR Investor Loan

For jumbo-size investment properties — qualify on rental cash flow instead of personal income. No tax returns or employment verification required.

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Learning Center

Know before you borrow.

Jumbo loan guides, conforming-vs-jumbo comparisons, and high-value financing strategies from our licensed loan officers.

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Take the Next Step

Tools to move from reading to action.

Tool One

Jumbo calculator

Run the numbers on a jumbo loan — principal, interest, taxes, insurance, and the LTV scenarios that affect pricing.

Calculate Tool Two

Get 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.

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Browse programs

See every loan program Lendmire offers — from jumbo to conventional to DSCR — and find the right fit.

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Get Started

Review jumbo options in about 30 seconds.

See jumbo financing available for your home purchase or refinance. No commitment required.

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