A jumbo loan finances a mortgage larger than the conforming loan limit — $832,750 for a one-unit property in most of the country in 2026. Higher-value homes are financed with jumbo programs every day.
Share a few details and our team can Tell us the property and the loan amount — we will lay out your jumbo options.
Prefer to talk now? 954-590-8464Fannie Mae and Freddie Mac may only purchase mortgages at or below the conforming loan limit — $832,750 for a one-unit property in most markets for 2026, higher in designated high-cost areas. Anything above that is a jumbo loan, held on a lenders own balance sheet rather than sold to the agencies.
Because jumbo loans are not agency-backed, guidelines are set by the lender. That gives room to approve larger amounts, more complex income, and properties that would otherwise fall outside agency rules.
Jumbo financing keeps pace with the property rather than stopping at an agency ceiling.
Programs reach $5M and beyond, well past the $832,750 conforming limit.
Bank statement, asset depletion, and P&L options exist for complex income.
Government insurance helps keep interest rates competitive and predictable.
Assets are reviewed as a strength in the file rather than a complication.
Primary residences, second homes, and investment properties are eligible.
Complex files get a specialist who knows the guideline nuances.
These are typical jumbo guidelines. Your exact scenario is reviewed one-on-one by a specialist.
Generally 700-720 minimum, with 740+ preferred for the sharpest pricing.
Typically 10-20%, and more for very high loan amounts or investment properties.
Commonly up to 43%, with flexibility toward 45-50% when reserves are substantial.
Six to twelve months of payments is typical — more than a conforming loan requires.
Above the conforming limit for the county; programs extend past $5M.
Single-family homes, condos, and multi-unit properties, subject to program limits.
Complete one application and tell us about your goals and timeline.
We review your file, check JUMBO guidelines, and lock your rate.
We handle the details with your agent and title team — keys in hand.
Its size. For 2026 the baseline conforming loan limit is $832,750 for a one-unit property in most of the country, and loans above that figure are classified as jumbo. High-cost areas carry higher limits, so the exact threshold depends on your county.
It asks for more — stronger credit, a larger down payment, and more reserves. In exchange, the lender sets its own guidelines, so complex income and higher amounts can still be approved.
Loan amounts reach $5M and above depending on the program and property. Options vary by lender, so a specialist matches your file to the right program.
Submitting the contact form does not trigger a credit inquiry. If a credit pull is needed, we explain the process and get your permission first.
Talk to an Eagles Funding Group specialist about your JUMBO options — we'll guide you from application to keys.
