Jumbo Home Loans

Live in a high-cost area? Enjoy greater buying power with help from a jumbo home loan. These non-conforming mortgages can finance homes priced above the current area loan limits set by the Federal Housing and Finance Agency (FHFA).

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A jumbo loan may be for you if you have*

Two years of steady employment (preferably with the same employer)
A minimum credit score of 680 or higher
Monthly debt that does not exceed 40% of your monthly income
Strong assets and cash reserves

Advantages

As little as 10% down with no mortgage insurance
Competitive fixed and adjustable rates
15, 20, and 30-year terms
Finance a primary residence, a second home, even a vacation home
Enjoy the convenience of one loan for the entire loan amount

What you need to know

You can afford a more expensive home! With home values increasing, you may find yourself in need of a larger loan amount. That's where a jumbo mortgage comes in. If your required loan amount is even $1 over your area's Federal Housing Finance Agency (FHFA) conforming loan limit, a jumbo loan (or non-conforming loan) is needed.

Conforming loan limits can change on an annual basis, so it's best to visit the Fannie Mae website to find the latest information on your area's limit.

* All loans are subject to underwriter approval; terms and conditions may apply. Qualifications (LTV, DTI, FICO score, loan amount) are subject to change without notice and may vary by state.

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