Jumbo Mortgage Loans

If you have a higher loan amount and can manage larger monthly mortgage payments, consider a jumbo, or non-conforming, loan. A jumbo loan provides financing for loan amounts higher than the maximum conforming limits set by Fannie Mae and Freddie Mac.

Features
Benefits
  • Larger loan amounts starting above the conforming loan limit maximums.
  • Available in a variety of fixed-rate and adjustable-rate options.
  • Purchase and refinance transactions.
Considerations
  • Generally, the minimum jumbo loan amount is greater than the conforming loan limit set each year by federal regulators and the maximum jumbo loan amount varies between lenders.
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Non-conforming mortgage loans 

Loans that do not satisfy the underwriting guidelines and loan amount limits set by Fannie Mae and Freddie Mac.

Fannie Mae and Freddie Mac 

Congressionally chartered, shareholder-owned corporations that were created to help support a reliable and affordable supply of mortgage funds. They buy mortgages from lenders for their portfolios or to sell as packaged securities.