Jumbo Mortgage
Financing for luxury and high-value properties beyond conventional loan limits.
What is a Jumbo Mortgage?
A jumbo mortgage is a home loan that exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA). In most U.S. counties, that limit is $766,550 in 2024, though higher-cost areas have higher limits. Because jumbo loans can't be sold to Fannie Mae or Freddie Mac, lenders assume more risk — making the underwriting process more thorough. Ease Lending works with multiple jumbo lenders to find the most competitive rates for your high-value purchase.
Who It's For
Jumbo loans are designed for buyers purchasing luxury homes, properties in high-cost markets, or any home where the loan amount exceeds the standard conforming limit. They are best suited for buyers with strong credit, significant assets, and high income.
Key Benefits
- Finance high-value properties that exceed conforming loan limits
- Competitive interest rates through our multi-lender network
- Available for primary residences, second homes, and investment properties
- Fixed and adjustable rate options available
- Loan amounts from $766,550 up to several million dollars
- Expert guidance through a more complex underwriting process
Eligibility Requirements
- Minimum credit score of 700–720 (varies by lender)
- Debt-to-income ratio typically under 43%
- Cash reserves of 12+ months of mortgage payments common
- Down payment of 10–20%+ typically required
- Full income documentation required
- Property appraisal is especially critical for jumbo loans
Ready to Get Started?
Talk to Adele about whether a Jumbo Mortgage is right for you.
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