Jumbo loans. One loan for the whole amount
Higher-priced home? We shop your jumbo loan with 130+ lenders, including the ones that specialize in larger loans and compete hard for strong files.
What a jumbo loan is
A jumbo loan is larger than the conforming loan limit that Fannie Mae and Freddie Mac set each year. High-cost areas have higher limits, and a high-balance loan can cover the range in between.
Jumbo lenders set their own rules, which is exactly why shopping many of them pays off.
Who it fits
- Buyers of higher-priced homes
- Homeowners refinancing a large loan, including cash out
- Self-employed buyers (ask about bank statement jumbo options)
- Second-home buyers
How it works with us
- Apply onceThe secure application takes your income, assets and the home you want.
- One soft pullWe check your credit once, without affecting your score, and shop the file with 130+ lenders.
- Match the lenderJumbo lenders weigh credit, down payment and reserves differently. We match your file to the best fit.
- CloseWe keep the appraisal and underwriting moving, and get you to closing.
What to have on hand
You don't need all of it to start. The application tells you what's missing.
- Photo ID for everyone on the loan
- Pay stubs covering the last 30 days and W-2s for the last two years
- Bank and investment statements for the last two months, all pages
- Self-employed? Two years of personal and business tax returns
Good to know
When does a loan become a jumbo loan?
When it's larger than the conforming loan limit for the county, which the FHFA sets each year. High-cost counties have higher limits.
What's a high-balance loan?
In high-cost counties, a high-balance conforming loan covers amounts above the standard limit but below the county's limit, under Fannie Mae and Freddie Mac rules.
Can I get a jumbo loan if I'm self-employed?
Yes. Some lenders offer bank statement jumbo loans that qualify on your deposits instead of tax returns.
Why use a broker for a jumbo loan?
Jumbo rules and pricing vary a lot from lender to lender. We compare 130+ lenders with one application and one soft pull.