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 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.
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