Jumbo Loans
Financing built for higher loan amounts.
Jumbo loans are residential mortgages that exceed conventional conforming limits. Built for higher-value purchases in Texas and Florida markets where conforming caps fall short of what the home actually costs.
Overview
A jumbo loan is a residential mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. In most U.S. counties, that limit is $806,500 for 2025. Jumbo loans require stronger credit, higher down payments, and more documentation than conventional financing — but they unlock financing on properties conventional limits don't cover.
What to know
Jumbo loans, plainly.
Higher down payment expected
Jumbo loans typically require 10-20% down depending on the loan amount, credit profile, and property type. Some lenders allow 10% down on loans up to $2M for strong borrowers.
Credit standards are stricter
Most jumbo lenders look for credit scores of 700+, lower debt-to-income ratios, and stronger asset reserves. The exact threshold depends on the lender and loan size.
Cash reserves matter
Jumbo programs typically require 6-12 months of post-closing reserves — meaning liquid assets equal to that many months of mortgage payments held in your accounts after closing.
Primary residence, second home, or investment
Jumbo financing is available across owner-occupied primary homes, second homes, and investment properties — though terms, down payment, and reserve requirements vary by occupancy type.
Next step
See if jumbo fits.
Jumbo financing rewards prepared borrowers. Send me your situation and I'll walk you through what you can comfortably afford and which lender programs match your specific file.