Can you say “LUXURY!” Are you ready to upgrade and finally get into the home of your dreams? Or maybe you’ve outgrown your current single family residence and now it’s time to build or find an existing luxury home you’ve always wanted. Regardless of your situation, Jumbo loans are designed for higher priced mortgage loans…and we know Jumbo! Let’s get started!

A Jumbo mortgage is a home loan with an amount that exceeds conforming loan limits imposed by Fannie Mae and Freddie Mac, the two government-sponsored enterprises that buy mortgages from lenders. The limit is $417,000 in most parts of the United States, but is $625,500 in the highest-cost areas and in-between in others.

Generally the qualifying factors are the same as a conventional loan. However, the down payment and credit worthiness requirements are less flexible, as the risk is greater with larger loan amounts.

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The general rule of thumb is that a loan is jumbo if it is over $484,350 for single family home. More specifically, however, a loan is jumbo if it is above the limit backed by Fannie Mae and Freddie Mac in your geographic area.

With these large loan amounts, qualifying standards can be a bit more stringent, usually higher credit scores and down payments are required. But we are here to come up with creative financing options to help you get your dream home!

You’ve worked hard, scrimped, and saved. You deserve to buy your dream home. A jumbo loan can make that happen.

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