Jumbo Loan

A jumbo loan is a loan for a home where the loan amount falls outside of the conforming loan limits. In most counties the conforming loan limit is $548,250 (higher in other counties).

Who is a Jumbo designed for?

A jumbo 30-year fixed-rate mortgage1 is a convenient way to finance your dream home without requiring a second mortgage or tying up cash. If you are looking to buy a high-priced or luxury home and have a lower debt-to-income ratio, a higher credit score, and a larger down payment, a jumbo loan may be right for you.

What are the benefits?

  • UP TO $1-2 MILLION
  • Credit Score of 640
  • Jumbo loan for amounts greater than the Conforming Jumbo limit in your county, up to $1-2 million


We have an entire suite of Jumbo products designed to help you finance your dreams. Let’s take a look:

Trailblazer Jumbo

  • Prime Non-Conforming
  • Max 90% LTV
  • Loan Amounts up to $3,000,000
  • Cash-Out up to 80% LTV
  • Condos up to 85% LTV
  • DTI up to 43%
  • Credit Score Down to 660

Trailblazer Plus Jumbo

  • AUS (DU or LP) Findings for Income and Asset Requirements
  • Max 90% LTV
  • Loan Amounts up to $3,500,000
  • DTI up to 50%
  • Credit Score Down to 660
  • Low Reserves Based on AUS and Loan Amount

Champion Classic & Achiever Expanded Credit

  • Loan Amounts up to $3,000,000
  • Credit Scores Down to 620
  • Bank Statements and Full Doc Income for Qualifying
  • 30-Year Fixed with 10 Year Interest Only Option available
  • Purchase, Rate & Term, and Cash-Out
  • Non-Warrantable Condos Permitted
  • First Time Homebuyers Allowed
  • Texas Cash-Out available
  • LTV up to 90% (Champion Only)
  • Asset Utilization up to 90% LTV (Champion Only)
  • No MI Required


VA Jumbo:

If you are a veteran looking for a home loan that has a purchase price above the conforming loan limit, you’ll want to look into a VA Jumbo loan program.

This is designed for loan amounts above$548,250 and may reach $822,375 in high-cost areas. Using your benefits as a veteran allows for you to have less strict qualifying requirements.

Depending on your credit score, you may still qualify for no down payment- even on a higher loan amount!

Get Started Today!

Feel free to contact me if you have any questions or would like a second opinion on your existing mortgage.