Loan purpose
- Finance high-value residential property
- Purchase or refinance homes that require larger loan sizes
- Support qualified borrowers with complex or higher-balance financing needs
Jumbo Loan
Higher Limits.More Possibilities.
Financing solutions for high-value residential real estate.
High-Balance | Luxury Homes | Flexible Review
Financing for qualified borrowers. Program terms are confirmed in the guidelines below.
Program snapshot
A quick orientation before the full guidelines—borrower fit, common uses, and the next step.
Borrower profile
Purchasers and refinancers above conforming limits who need judgment-based underwriting.
Also suited to
Borrowers with sophisticated income, entity, or asset profiles outside standard agency boxes.
Common use
Purchase or refinance above conforming limits with alternative or full documentation
Additional scenarios
Entity or trust borrowing with clear beneficial ownership
Scenario fit
Scenarios requiring manual underwriting and compensating factors
Next step
Speak with a loan specialist before preparing documentation—specific figures are confirmed in the guidelines below.
Program guidelines
Loan term
- 30-year fixed
- 15-year fixed
- 7/6 ARM
Loan amount
- Loan amounts up to $50 million
Loan to value (LTV)
- LTV as high as 85% where the file qualifies
Minimum credit score
- 680
Property type
- Primary, second home, or investment occupancy
Eligible property types
- SFR
- Condos / co-ops
Eligible borrowers
- U.S. citizens and permanent resident aliens
Key features & detail
Non-agency jumbo means the loan is not sold to agency aggregators under conforming rules—underwriting uses compensating factors, collateral strength, and documented capacity.
- Interest-only payment structures are available for qualifying scenarios.
- Cash-out equity access is permitted when guidelines and LTV tests are met.
Need help choosing the right program?
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No charge to submit a review. Fees are explained in plain language before you commit.