Above the Limit · Everyone Welcome
Jumbo Home Loans
For homes above the 2026 conforming limit of $832,750, you need a jumbo loan — and jumbo is where shopping matters most. Every lender prices these differently, holds them differently, and wants different borrowers. Our 220+ lender network turns that fragmentation into your advantage.
Above $832,750
Loan Amounts
10–20%
Typical Down
Strong
Credit Profile
Lender-Competitive
Pricing
How jumbo loans work
Jumbo loans exceed the amounts Fannie Mae and Freddie Mac will buy, so lenders keep them on their own books — which makes underwriting more individual and pricing more variable. Expect fuller documentation, reserve requirements, and real scrutiny; in exchange, strong borrowers often find jumbo rates surprisingly competitive.
Worth knowing if you're VA-eligible: with full entitlement the VA loan has no loan limit at all — we routinely write six-figure-down-payment-free VA loans that would otherwise be jumbos. That comparison alone has saved our clients enormous sums.
Straight Answers
Jumbo Loans: what buyers ask
Where does jumbo start in 2026?
Above $832,750 for a single-family home in baseline counties — higher in designated high-cost counties (up to $1,249,125 in most, and beyond in a few). We confirm your county's line before anything else.
How much down does a jumbo need?
Programs exist from 10% down; 20% unlocks the widest lender pool and best pricing. Reserves (months of payments in savings) are commonly required.
Are jumbo rates higher than conventional?
Not necessarily — depending on the market cycle, jumbos sometimes price below conforming loans for strong borrowers. This is exactly why we shop it across the network.
Can a VA loan replace a jumbo?
With full entitlement, yes — no VA loan cap exists, so qualifying income and residual-income rules set your ceiling, not a program limit. $0 down on a seven-figure home is real for qualifying veterans.
Compare
Other programs worth pricing
The Everyday Workhorse
Conventional Loans
The Accessible Path
FHA Loans
The $0-Down Secret
USDA Loans
Same Home, Better Terms
Rate & Term Refinance
Serving in the military, or served? The VA loan is our specialty — $0 down, no PMI, and usually unbeatable if you qualify.