What is a Jumbo Loan?

A jumbo loan is a mortgage loan that exceeds the standard loan amount limits on conforming loans. Conforming loan limits are established by the Federal Housing Finance Agency (FHFA) used by Fannie Mae and Freddie Mac.  Also called non-conforming mortgages, these loans may also have some more restrictive guidelines. 

Who Qualifies for a Jumbo Loan?

  • Individuals that have a credit score of 700+

  • Individuals that  require a loan higher than $484,350

  • Individuals with a low debt to income ratio

Housing and Urban Development

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