Jumbo & Jumbo VA Loans

Financing above conforming limits — for luxury and high-value homes.

When a home's price pushes past standard conforming loan limits, you need a jumbo loan. We structure jumbo financing — including jumbo VA for eligible veterans — for high-value and luxury properties across Texas, Louisiana, and Florida, with competitive terms and a smooth process.

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Jumbo & Jumbo VA, Explained

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What is a jumbo loan?

A jumbo loan is a mortgage for an amount that exceeds the conforming loan limits set each year by the Federal Housing Finance Agency (FHFA). Because they're too large to be backed by Fannie Mae or Freddie Mac, jumbo loans are held to slightly tighter standards — but they make financing high-value and luxury homes possible, often with very competitive rates for well-qualified buyers.

Who it's for

Is jumbo a fit for you?

Buyers of luxury or high-value homes

When the purchase price exceeds the conforming limit for your county, jumbo is the path.

Move-up buyers in higher-priced markets

Stepping up to a larger home that pushes past standard limits.

Well-qualified borrowers with strong reserves

Jumbo rewards strong credit, stable income, and healthy savings.

Eligible veterans buying above conforming

With full entitlement, qualifying veterans can finance high-value homes with little to no down payment (Jumbo VA).

Key benefits

Why buyers choose jumbo.

Finance beyond conforming limits

Borrow above standard loan limits for the home you actually want.

Competitive jumbo rates

Strong borrowers often see rates comparable to — or better than — conforming.

Flexible structures

Fixed, ARM, and interest-only options with varied down payment scenarios.

Primary, second home & investment

Jumbo financing isn't limited to primary residences.

Jumbo VA available

Eligible veterans can access high-balance financing with the VA's no-PMI advantage.

Common questions

Jumbo loan FAQs.

What counts as a jumbo loan?

A jumbo loan is any mortgage above the conforming loan limit set each year by the FHFA for your county. Those limits change annually and are higher in expensive areas, so the exact cutoff depends on where you're buying. If your loan amount lands above that line, you're in jumbo territory — and we'll confirm the number for your specific area.

How much do I need to put down on a jumbo loan?

Jumbo down payments are typically larger than conforming — often starting around 10–20% depending on the loan size, property, and your profile — though stronger files can sometimes do less. Eligible veterans using jumbo VA may be able to put little to nothing down. We'll match the structure to your situation.

Are jumbo rates higher than conventional?

Not necessarily. Because jumbo lenders compete hard for well-qualified borrowers, jumbo rates are often comparable to — and sometimes better than — conforming rates. Your rate depends on credit, down payment, reserves, and the property. We'll shop it and show you real numbers.

Can I get a jumbo VA loan with no money down?

Often, yes. With full VA entitlement, eligible veterans can finance high-value homes above the conforming limit with little to no down payment — and still skip monthly mortgage insurance. The exact down payment depends on your entitlement and the loan amount, which we'll calculate for you.

What credit score do I need for a jumbo loan?

Jumbo programs generally look for stronger credit than conforming — often in the 700s — along with solid reserves and stable income. That said, guidelines vary by program and we have options across the spectrum. Tell us your numbers and we'll tell you exactly where you fit.

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Buying above the limit? Let's structure it right.

Schedule a 15-minute call and we'll map your jumbo and jumbo VA options — no pressure, no pitch.

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