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Jumbo loans allow a home buyer to borrow more than they can through a conforming or government loan. Jumbo loans, like conforming loans, are conventional, non-government loans. Unlike a conforming loan, however, they exceed loan guarantee amounts established by Fannie Mae and Freddie Mac. This requires the issuer to secure the loan themselves.

Because of this, jumbo loans may come with different financial requirements and financing options than are available with conforming loans.

Ideally Suited for:

• Those needing a loan amount that exceeds county limits

• Borrowers with excellent credit and strong assets

Loan Features:

• Higher loan limits than allowed by conventional conforming and government loans

• Rates can be as competitive as conventional conforming and government loan rates