Jumbo Loans
Financing for homes that call for a loan above the standard conforming loan limits.
A jumbo loan finances a home when the loan amount is above the conforming loan limit for the area.
Potential benefits
- Finances higher-priced homes in a single loan.
- Fixed and adjustable structures may be available.
- Can be used for primary residences and, in some cases, second homes or investment properties.
General eligibility considerations
- Credit, income, assets, and reserves are typically reviewed closely.
- Down payment requirements vary by lender and program.
- Additional appraisal requirements may apply.
Important limitations
- Qualification standards are often stricter than conforming loans.
- Larger cash reserves may be required.
- Terms vary widely between lenders.
Common questions
What is the conforming loan limit?
Limits are set annually and vary by county. Your loan expert can confirm the current limit for your area.
Do jumbo loans require 20% down?
Not always. Requirements depend on the lender, loan amount, and your financial profile.
Is Jumbo Loan right for you?
Every situation is different. Book a no-pressure consultation and a licensed loan expert will review your goals and walk through the options that may fit.
Program descriptions are general information, not a loan offer or commitment to lend. Eligibility, rates, fees, and terms depend on your circumstances and lender requirements and are subject to change. Not all applicants will qualify.
From first call
to closing day.
Your BridgePoint loan expert walks you through every step, so you always know what is done, what is next, and what you will need.
Tell us your goals
Buying your first home, growing your portfolio, or putting equity to work. We start with you.
Explore your options
Get clear guidance on the programs and possibilities that fit your financial picture.
Move forward with confidence
Your dedicated team stays by your side through the details, decisions, and closing.
Other programs to compare
Conventional Loans
Flexible financing options for purchasing or refinancing your home.
FHA Loans
Government-insured financing with flexible down payment and credit requirements.
VA Loans
Home financing benefits for eligible military members, veterans, and qualifying spouses.
First-Time Buyers
Find your footing with guidance and financing options for your very first home.
Seller-Paid Buydown
Learn how a seller contribution may temporarily reduce your mortgage payments.
Rehab & Renovation
Explore financing that brings your home purchase and eligible improvements together.
USDA Loans
Government-backed financing for eligible homes in qualifying rural and suburban areas.
Let’s Build What’s Next
Whether you’re buying your first home, making your next move, or refinancing, we’re here to help you move forward with clarity and confidence.