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Take a closer look at jumbo loans.

A larger loan for when you need more than the standard loan limit. 

What is a jumbo loan?

A jumbo loan is a  non-conforming  home loan that exceeds standard loan limits. It’s designed to finance high-value properties or properties in high-priced locations. In most markets, a jumbo loan covers anything above the standard limit of $548,250. In areas like Hawaii, Alaska, or some other states’ counties, the limit’s higher, at $822,375, to account for competitive real estate markets.

Available for many property types.

Use a jumbo loan to finance primary homes, vacation homes as well as investment properties.

More than just home purchases.

You can also refinance a jumbo loan to adjust the term length, to lower your rate, or, if it’s for a primary home, to take cash out for home projects, bills, or other financial goals.

Flexible down payment options.

We offer down payments from as low as 20% (80%  loan-to-value ). Keep in mind, you’ll need to budget 2 to 5% of your loan amount for closing costs. If you’re refinancing, you may have the option to include this in your total loan amount.

Cash reserve required.

You’ll need to show you can cover a few months of expenses (at least 12 months for first-time homebuyers). Unlike other lenders, we allow restricted stock units to count toward your reserve.

A jumbo-sized decision calls for a lender you can trust.

Our features and know-how set us apart as a leader in the online mortgage world.

Competitive pricing and a fast application process. 

We offer consistently competitive rates and loans up to $4 million. Plus, with state-of-the-art technology, you can complete an application in as little at 15 minutes.

No lender fees.

Unlike most big banks and lenders, we don’t charge lender fees. This means you won’t pay for the application, origination, processing, or underwriting of your loan.

Expertise you can count on.

We’ve delivered jumbo loans to thousands of happy homeowners. Rely on a team of qualified home loan experts who can guide you each step of the way.

Track your progress, on the go. 

You’re in control with our modern, digital home loan experience. Securely upload files, eSign application documents, and lock in your rate, all from your computer or phone.

Jumbo mortgage rate shopping, a quick trip.

Provide some specifics to see more accurate home-buying rate options. If you’re looking to refinance instead of purchase,  customize your refinance rate here .

These rates are based on a home loan for a , with in

Customized mortgage rates

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Monthly payment doesn't include taxes or insurance. Our Annual Percentage Rates (APRs) are accurate as of on and may change throughout the day. A home loan expert can help you understand whether a fixed-rate mortgage or adjustable-rate mortgage is right for you.

Learn more about jumbo loans.

A little knowledge goes a long way.

FAQs

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