Jumbo Loans
Jumbo financing, with a human on the other end
Above the conforming limit the rules stop being uniform and start being negotiated. That is exactly where a broker with portfolio relationships beats a retail bank.
What a jumbo loan actually is
A jumbo loan is any mortgage above the conforming limit, which is $806,500 in most counties for 2026. These loans are not sold to Fannie Mae or Freddie Mac, so every lender writes its own guidelines, and the spread between the best and worst offer on the same file is wider than in any other program.
Jumbo is where the broker model earns its keep. Guidelines are set lender by lender, exceptions are made by humans on portfolio desks, and knowing which desk will look at an unusual file is worth more than any rate sheet. Trevor Lindqvist handles jumbo here.
Jumbo Loans at a glance
- Down payment10% to 20% depending on the lender and loan amount
- Credit scoreTypically 700+, with best pricing at 760+
- ReservesCommonly 6 to 12 months of payments after closing
- Loan amountsFrom $806,501 to $3M+ on standard programs
- Alternative incomeAsset depletion and 12- or 24-month bank statements available
- Property typesPrimary, second home, and investment
Is It Right For You?
Where Jumbo wins, and where it does not
We would rather talk you out of the wrong program now than restructure the file two weeks before closing.
A good fit when
- Buying above the conforming limit
- High income that tax returns understate
- Substantial assets but complex or variable income
- A second home or vacation property
- A file that a retail bank has already declined
Probably look elsewhere if
- Loan amount fits under the conforming limit (conventional will price better)
- Credit score below 680
- Under six months of reserves after closing
Compare
Other programs worth pricing
See what a Jumbo loan looks like for your file
Three minutes, no credit pull, and a written comparison against the other programs you qualify for.