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Jumbo Loan     

Jumbo Loans: Financing for Your Luxury Ambitions

Big Dreams Require Bold Financing

When a standard mortgage isn't enough to secure the home you desire, a Jumbo Loan from LoanHouse bridges the gap. Designed for high-value properties that exceed the "conforming" limits set by Fannie Mae and Freddie Mac, our Jumbo programs offer the competitive rates and flexible terms necessary for luxury real estate.

Secure your piece of the high-end market with a lender that understands the complexity of luxury transactions.

Why Choose LoanHouse for a Jumbo Loan?

At LoanHouse, we specialize in high-limit lending that the "big banks" often over-complicate. We offer a more personalized approach to underwriting for luxury primary residences, second homes, and investment properties.

  • Higher Loan Limits: Financing available for $1M, $2M, and even up to $5M+.

  • Competitive Luxury Rates: We leverage a vast network of private investors to provide rates that are often comparable to—or better than—conforming loans.

  • Flexible Qualification: We understand complex income structures, including RSUs, bonus income, and self-employed earnings.

  • Lower Down Payment Options: While most banks demand 25% down, we offer select Jumbo programs with as little as 10% or 15% down for qualified borrowers.

Jumbo Loan Requirements

Because these loans represent a larger investment, the criteria are slightly more stringent than a standard mortgage.

Feature Jumbo Loan Details
Loan Amount Anything above the current Conforming Loan Limit ($766,550+ in most areas)
Minimum Credit Score Typically 680–720+
Down Payment Starting at 10% (with no PMI options available)
Debt-to-Income (DTI) Generally capped at 43–45%
Reserves 6–12 months of liquid reserves (PITIA) often required
Appraisals High-value properties may require two independent appraisals

Solutions for Every Luxury Property

  • Primary Residences: Buy your dream estate with long-term 15 or 30-year fixed rates.

  • Second Homes & Vacation Estates: Secure a getaway in the most desirable zip codes.

  • Investment Jumbo: High-limit loans for high-rent-yield properties.

  • Interest-Only Options: Maximize your monthly cash flow with interest-only payment periods.

 

Experience the LoanHouse Luxury Standard.

Navigating a high-balance loan requires a steady hand and expert knowledge. Let our senior loan officers guide you through the process.

 

Luxury Jumbo Loans | High-Limit Mortgage Specialist | Loanhse.com