When your loan amount goes above the conforming limit, a jumbo loan keeps it all in one mortgage. Get a free quote today.
A jumbo loan is a loan that exceeds the conforming loan limits as set by Fannie Mae and Freddie Mac. As of 2022, the limit is $647,200 for most of the US, apart from Alaska, Hawaii, Guam, and the U.S. Virgin Islands, where the limit is $970,800. Rates tend to be a bit higher on jumbo loans because lenders generally have a higher risk.
We’re here to make the jumbo home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE Jumbo Loan Qualifier.
We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you.
A jumbo loan is any mortgage above the conforming loan limit set each year by the FHFA. For 2026, that limit is $832,750 for a one-unit home in most of the country, including the DFW area. Above that, you’ll need a jumbo loan.
Jumbo loans come with fixed and adjustable options. Because they can’t be sold to Fannie Mae or Freddie Mac, lenders set their own guidelines, which usually means stronger credit, a larger down payment and more cash reserves.
A strong fit if you: are buying a luxury or higher-priced home, want one loan instead of stacking a second mortgage, or are refinancing an existing jumbo loan.
Here’s how our home loan process works:
You can finance the full amount with one loan and one payment, choose from fixed or ARM options, and get competitive pricing when your credit and reserves are strong. We’ll compare options across lenders to find the right fit.
Mortgage rates change every day, and your rate will vary based on your location, finances, and other factors. Get your FREE customized rate comparison below:
