Jumbo & Super Jumbo Loans

A Jumbo loan is a mortgage that exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA).

In most areas for 2026, the conforming loan limit is around the mid-$800,000 range, though limits vary by county. Any loan amount above that is generally considered a jumbo loan.

• Luxury homes 
• Waterfront or lake properties 
• Large acreage homes 
• High-end primary residences 
• Second homes or vacation homes 
• Investment properties 
• Custom new construction homes

 A super jumbo loan is simply a much larger jumbo mortgage — typically loans in the multi-million-dollar range.

Some wholesale lenders offer financing well beyond what many banks can handle, with loan amounts reaching:

• $8 million 
• $20 million 
• $100 million+ 
• In some cases even higher 

These programs are designed for:

• High-net-worth borrowers 
• Business owners 
• Executives 
• Real estate investors 
• Clients with complex income structures 
• Luxury property buyers

• Competitive interest rates 
• Higher loan limits 
• Multiple property types allowed 
• Flexible asset usage 
• Financing for self-employed borrowers 
• Interest-only options on some programs 
• Primary, second home, and investment property options 

Every lender and program is different, which is why working with a mortgage broker can make such a difference.

One of the biggest misconceptions is that jumbo borrowers must be traditional W-2 employees with straightforward income.

That is not always the case.

Depending on the lender, jumbo and super jumbo programs may allow:

• Traditional W-2 income 
• Self-employed income 
• Asset depletion 
• Bank statement programs 
• DSCR investment financing 
• Trust income 
• Business ownership structures 
• High-liquidity asset qualification 

This is especially helpful for entrepreneurs, investors, and high-income earners whose tax returns may not reflect their true purchasing power.

Down payment requirements vary based on:

• Loan size 
• Credit profile 
• Occupancy type 
• Reserve assets 
• Property type 

Some jumbo programs may allow lower down payments than buyers expect, while super jumbo financing often requires stronger reserve and liquidity positioning.