(5.0 Rating)
ReviewNeed a Loan Over $832,750?
Get Pre-Approved in 24 Hours — Jumbo loans up to $3 million with down payments as low as 5%. No PMI required. Close in as fast as 21 days.
See Your Personalized Jumbo Loan Options
No credit check required • No obligation • 100% Free
Understanding Jumbo Loans
What is a Jumbo Loan?
A jumbo loan is a mortgage that exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA). Since these loans are not eligible for purchase by Fannie Mae or Freddie Mac, they are funded by private or portfolio lenders. Jumbo loans cater to high-income borrowers purchasing or refinancing luxury or high-value properties, where the loan amount is above the county conforming limits.
Luxury Properties
Perfect for high-value homes in premium locations
Higher Limits
Borrow above $832,750 conforming limits
Competitive Rates
Access favorable rates designed for qualified borrowers with strong credit profiles
Why Choose Jumbo?
Key Benefits of Jumbo Loans — Unlock higher borrowing power with features designed for luxury home buyers
Loan Amounts Above Limits
Typically over $832,750, with no cap on maximum loan amount
Competitive Interest Rates
Favorable rates for borrowers with strong credit profiles
Multiple Property Types
Available for primary, secondary, and investment properties
Fixed & Adjustable Rates
Choose between fixed-rate stability or ARM flexibility
Portfolio Diversification
Ideal for investors building their real estate portfolio
Flexible Terms
Customizable loan terms to fit your financial goals
Eligibility Requirements
Here's what you need to qualify. Not sure? Let us review your situation for free.
Credit Score 620+
Strong credit history with flexibility for exceptional financials
Debt-to-Income Ratio
DTI under 45-50% of your monthly income
Stable Income
Consistent employment or verified business income
Not sure if you qualify?
Don't let uncertainty stop you from achieving your dream of homeownership. Our team will review your situation and guide you through the process—completely FREE.
Why Borrowers Choose Loan Factory
Rather than pushing one lender, Loan Factory helps you compare options so you can decide with confidence.
Frequently Asked Questions
Don't Miss Out — Rates May Rise Soon
Get Your Jumbo Loan Options Reviewed Today — A quick review can help
you understand your options and next steps — with no impact to your
credit score.