When the house costs more than the conforming limit, you need jumbo financing — and the pricing differences between lenders get wide up there. We broker multiple jumbo programs so your $1M+ loan is shopped, not taken as offered.
NMLS #1828502There isn't one ceiling — 'jumbo' simply means above the conforming limit, which varies by county and resets annually. Above that line, different lenders set different maximums. Call us for today's conforming limit in your county and jumbo options above it.
Typically 10-20%, with 10.01-15% possible on strong credit profiles. Physician jumbo programs go lower. The property, reserves, and credit all factor in.
Jumbo pricing is often surprisingly close to conforming — and sometimes better, because jumbo borrowers default less. Shopping matters more at these amounts, which is exactly what a broker does.
A licensed originator will reach out within one business day.