A jumbo mortgage gives qualified buyers access to loan amounts over $832,750, flexible loan structures, and competitive rates for luxury or high-cost properties.
A jumbo loan—also known as a non-conforming loan—is designed for borrowers who need financing above $832,750. These mortgages allow qualified buyers to purchase higher-value homes or unique properties that require expanded lending flexibility.
Because jumbo mortgages exceed conforming loan thresholds, they offer tailored underwriting, customizable loan terms, and competitive jumbo mortgage rates for borrowers with strong income, assets, and credit history. Jumbo loans are ideal for financing primary residences, vacation homes, and investment properties in higher-priced markets.
We offer tailored jumbo loan solutions designed to support your goals for luxury properties and high-value financing.
Provides long-term payment stability with a consistent interest rate for larger loan amounts.
Offers lower introductory rates and flexible terms for borrowers who want payment or rate flexibility.
A mortgage that exceeds standard conforming limits but falls within expanded high-cost area limits.
Allows qualified homeowners to access equity from high-value homes for investments, renovations, or financial planning.
Financing a high-value property requires a loan structure built around strength and flexibility. The right jumbo loan helps you with:
Enables financing above conforming loan limits for luxury or high-value homes.
Offers multiple repayment structures, terms, and interest-rate options.
Qualified borrowers often secure strong jumbo mortgage rates tailored to their financial profile.
Jumbo refinance programs allow access to significant equity for future financial planning.
Borrowers searching for luxury home financing or higher loan limits often turn to jumbo mortgages for more buying power and flexible loan strategies. These programs allow you to purchase or refinance high-value homes without the restrictions of conforming loan limits.
Prism Lending Partners helps you evaluate your financial profile, compare jumbo mortgage options, and structure a loan aligned with your long-term wealth and homeownership goals. If you’re ready to explore high-balance financing, our team is here to guide you with clarity and confidence.
Jumbo lenders typically prefer higher credit scores—often 680 or above—to offer the best rates and terms.
Down-payment requirements vary but often range from 10% to 20%, depending on the lender and borrower profile.
Jumbo loan rates can be competitive and sometimes similar to conforming loans, depend on credit, assets, and overall financial strength.
Yes—jumbo mortgages can be used for primary residences, vacation homes, and investment properties.
Borrowers typically need full income documentation, strong assets, reserves, and detailed financial verification due to the larger loan amount.
