Jumbo Loan

Jumbo loans are mortgages used to finance homes that exceed the conforming loan limits set by Fannie Mae and Freddie Mac.

For 2025, in most areas, that limit is $806,500. Any loan above this threshold is considered a jumbo loan.

Because jumbo loans are larger and not government-backed, they usually require stronger credit, larger down payments, and more detailed income and asset documentation. Loan terms can be fixed or adjustable, and borrowers often use jumbo financing for luxury homes or higher-priced properties.

Jumbo loans are available for primary residences, second homes, and certain investment properties, but guidelines vary by lender.

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