Jumbo loans · For higher-priced homes

Buying above the limit? Here’s the loan made for it.

A jumbo loan covers amounts above the conforming limit for your county, for a home you live in, a second home or an investment. It takes a closer look at your finances, and a well-prepared file up front keeps the process smooth.

Know your financing before you write an offer on a higher-priced home.

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What to know.

The essentials, in plain English.

One loan above the limit
Finance the whole amount in one loan, without stacking a second mortgage on top of a conventional one.
Choices that fit how long you’ll stay
Choose a fixed rate, or an adjustable one that starts fixed for a set period, to match how long you plan to keep the home.
Your home, a second home or an investment
Jumbo loans can finance the home you live in, a vacation property or a rental.
A file built to hold up
Jumbo underwriting looks closely at income, assets and reserves. Your loan officer organizes your file with you up front, so an underwriter’s questions don’t catch you off guard.

What happens after you press the button.

Your loan officer reaches out
Andrew reads what you send personally and gets in touch to talk it through.
What you’ll talk about
Your price range, income, assets and reserves, and whether the home is your main home, a second home or an investment.
What to have handy
A rough idea of your income, your assets and the price range you’re shopping in.
  1. An adobe home with turquoise doors, lit at dusk

    Who it fits

    Buyers and owners of higher-priced homes with strong credit and solid savings.

    • Buyers of homes above the conforming limit
    • Second-home buyers
    • Investors
    • Owners refinancing a larger loan
  2. A laptop and papers on a kitchen table in morning light

    What you’ll need

    Jumbo files are thorough. Your loan officer confirms the list with you.

    • Pay stubs, W-2s and tax returns
    • Statements for your bank, brokerage and retirement accounts
    • Details of any other properties you own
    • A photo ID

Common questions

When do I need a jumbo loan?

When the amount you borrow is above the conforming loan limit for your county, which is set each year.

Jumbo or a conventional loan with a second mortgage?

Some buyers pair a conventional loan with a second mortgage instead of one jumbo loan. It can work, with two payments and two sets of terms to weigh. Your loan officer can price both.

Are jumbo loans harder to get?

They look more closely at credit, income and savings, because no government agency backs them. A clear picture of your finances up front makes the process smoother.

How much do I need in reserves?

It depends on the lender, the loan amount and the property. Reserves are the savings you still have after closing, counted in months of mortgage costs, and your loan officer can tell you what your loan will need.

Do jumbo loans need a larger down payment?

Usually more than a conventional loan asks for, though it varies by lender and loan size. Your loan officer can show you the options, with the full terms of each.

Can I choose an adjustable rate on a jumbo loan?

Yes. Many jumbo borrowers choose an adjustable rate that stays fixed for an initial period. Your loan officer can compare fixed and adjustable options side by side.

Will I need two appraisals?

Some jumbo loans need a second appraisal, usually at higher loan amounts. Your loan officer will tell you whether yours does.

Will checking my options affect my credit?

Answering a few questions doesn’t check your credit. A credit check comes later, only with your permission, and your loan officer can explain how it may affect your score.

What if I don’t qualify?

Your loan officer can show you other ways to structure the purchase, such as a larger down payment or a different loan, and what would change the answer.

What does a jumbo loan cost?

Closing costs such as lender fees, title charges and one or two appraisals. Your Loan Estimate lists every cost before you commit.

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“Tanner Orr was extremely helpful guiding me on my website and lead generation strategy. I have been a client for 18+ months and the website they put together for me is exactly what I need. I have some new ideas to work with and just paid for another year in advance because I'm super confident with what they can help me with. Thanks again Leadpops / Rebel IQ! Definitely will recommend them to others.”

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Eric Vander Werff4 months ago

“Tanner Orr at Rebel iQ has truly gone above and beyond for me. He helped me get started with my marketing during a very difficult time and worked with me when he easily could have treated me like just another customer. Tanner genuinely cares about my situation, my business, and helping me succeed. His patience, understanding, and support have meant more to me than he probably realizes. Because of how he has treated me and everything he has done to help me grow, I plan to continue working with him and Rebel iQ for a long time. I highly recommend Tanner to anyone looking for someone who truly cares about their clients.”

QU

Quang Tran2 months ago

“Jasper Coraza is hands down the most helpful support specialist. He is incredibly thorough in making sure he fully understands each request, and he consistently follows through with clear communication. He also does an excellent job of offering solutions when a specific request can’t be completed, rather than simply saying no.”

VI

Vivian Shlemon7 months ago

“Tanner Orr was extremely helpful guiding me on my website and lead generation strategy. I have been a client for 18+ months and the website they put together for me is exactly what I need. I have some new ideas to work with and just paid for another year in advance because I'm super confident with what they can help me with. Thanks again Leadpops / Rebel IQ! Definitely will recommend them to others.”

ER

Eric Vander Werff4 months ago

“Tanner Orr at Rebel iQ has truly gone above and beyond for me. He helped me get started with my marketing during a very difficult time and worked with me when he easily could have treated me like just another customer. Tanner genuinely cares about my situation, my business, and helping me succeed. His patience, understanding, and support have meant more to me than he probably realizes. Because of how he has treated me and everything he has done to help me grow, I plan to continue working with him and Rebel iQ for a long time. I highly recommend Tanner to anyone looking for someone who truly cares about their clients.”

QU

Quang Tran2 months ago

“Jasper Coraza is hands down the most helpful support specialist. He is incredibly thorough in making sure he fully understands each request, and he consistently follows through with clear communication. He also does an excellent job of offering solutions when a specific request can’t be completed, rather than simply saying no.”

VI

Vivian Shlemon7 months ago

“Tanner Orr was extremely helpful guiding me on my website and lead generation strategy. I have been a client for 18+ months and the website they put together for me is exactly what I need. I have some new ideas to work with and just paid for another year in advance because I'm super confident with what they can help me with. Thanks again Leadpops / Rebel IQ! Definitely will recommend them to others.”

ER

Eric Vander Werff4 months ago

“Tanner Orr at Rebel iQ has truly gone above and beyond for me. He helped me get started with my marketing during a very difficult time and worked with me when he easily could have treated me like just another customer. Tanner genuinely cares about my situation, my business, and helping me succeed. His patience, understanding, and support have meant more to me than he probably realizes. Because of how he has treated me and everything he has done to help me grow, I plan to continue working with him and Rebel iQ for a long time. I highly recommend Tanner to anyone looking for someone who truly cares about their clients.”

QU

Quang Tran2 months ago

“Jasper Coraza is hands down the most helpful support specialist. He is incredibly thorough in making sure he fully understands each request, and he consistently follows through with clear communication. He also does an excellent job of offering solutions when a specific request can’t be completed, rather than simply saying no.”

VI

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JO

John Roberts5 months ago

“I've been a customer of LeadPops/RebelIQ for the past few years for my mortgage broker team website. Jasper Coraza and the development team are always very helpful and accommodating every time I need an update, and their rates are reasonable too. Recently Tanner Orr proactively reached out to me to offer a couple of awesome upgrades at no charge. I'm really thankful to have Tanner, Jasper, and the whole LeadPops team in my corner. Keep up the great work guys!”

TO

Tom Pessemier5 months ago

“Tanner Orr, is the Best! Very knowledgeable and super helpful. He is also very patient and understanding. He has many qualifications. Too many for me to list at the moment now. I definitely recommend his services to anyone looking for a hard-working true professional in the digital marketing space, managing client relationships, building ad strategies and much more!”

JO

John Roberts5 months ago

“I've been a customer of LeadPops/RebelIQ for the past few years for my mortgage broker team website. Jasper Coraza and the development team are always very helpful and accommodating every time I need an update, and their rates are reasonable too. Recently Tanner Orr proactively reached out to me to offer a couple of awesome upgrades at no charge. I'm really thankful to have Tanner, Jasper, and the whole LeadPops team in my corner. Keep up the great work guys!”

TO

Tom Pessemier5 months ago

“Tanner Orr, is the Best! Very knowledgeable and super helpful. He is also very patient and understanding. He has many qualifications. Too many for me to list at the moment now. I definitely recommend his services to anyone looking for a hard-working true professional in the digital marketing space, managing client relationships, building ad strategies and much more!”

JO

John Roberts5 months ago

“I've been a customer of LeadPops/RebelIQ for the past few years for my mortgage broker team website. Jasper Coraza and the development team are always very helpful and accommodating every time I need an update, and their rates are reasonable too. Recently Tanner Orr proactively reached out to me to offer a couple of awesome upgrades at no charge. I'm really thankful to have Tanner, Jasper, and the whole LeadPops team in my corner. Keep up the great work guys!”

TO

Tom Pessemier5 months ago

Make your offer
with your financing ready.

Bring Andrew the home you have in mind, and plan the purchase together.

(619) 886-6985