Above the county ceiling, the rules stop being standard.
A jumbo loan finances higher-priced homes that exceed conventional loan limits. Once your amount crosses the county line, each lender writes its own rules, so we compare jumbo loan options across 100+ lenders to find the right fit.
100+ Lenders
Approval Within 24 Hours
30+ Years of Mortgage Experience
No Credit Pull • No Obligation
One application. Better options. Simple process.
One simple application gives us what we need to explore the right mortgage options for your situation.
1
Submit the documents
Upload the required documents so we can review your application and move your loan forward.
3
You Choose. We Close
Pick the option that works for you. We handle everything from underwriting to closing.
What a jumbo file needs
Strong credit
Jumbo lenders carry the loan themselves, so they review your credit profile much more closely.
Reserves after closing
Jumbo lenders want money left in the bank after closing, especially after smaller down payments.
Income or assets they can evidence
Proof comes from salary, business income, investments, or a mix, and lenders weigh each differently.
A deposit
Larger than an agency loan usually asks for, though how much varies more by lender than by rule.
A property that appraises
Higher-value homes have thinner comparable data, so the valuation carries more weight.
A lender that wants this file
The single biggest variable. Appetite for jumbo shifts constantly across the market.
No rates or figures here on purpose. Yours depend on your credit, the county and the program. A licensed loan officer gives you real numbers on the call.
What to watch for, and we will not bury it
There is no standard jumbo
Two lenders can answer the same file differently, so one quote tells you almost nothing. Always compare pricing from more than one lender.
The ceiling is set county by county
Fairfax, Montgomery County, and DC each have their own limit. What counts as a jumbo loan in one place is conforming in another.
Reserves catch people out
Buyers focus on the down payment and forget lenders also want money left in the bank after closing. Reserves often catch people out.
Nadeem Bhatti
Where we place jumbo loans
Maryland
Virginia
Washington DC
North Carolina
Texas
We are a mortgage company serving these areas. We do not keep a branch in each one. Every mortgage loan is worked from 8115 Maple Lawn Blvd, Suite 350, Fulton, Maryland.
What buyers ask about jumbo loans
What buyers ask about jumbo loans
It is larger than the conforming ceiling set for your county. Above that line, agency rules no longer apply, and each lender writes its own guidelines, which is the whole idea behind a jumbo versus conventional loan comparison.
Is a jumbo harder to get?
Not harder, but less standardised. The right lender makes far more difference on a jumbo than on any agency loan.
Can I qualify on assets rather than income?
Yes, several lenders offer asset-based qualification for jumbo loans near me or in your area, which can help borrowers whose wealth sits in investments rather than a traditional paycheck.
Do I need reserves?
Most jumbo lenders want to see money left in the bank after closing. This is one of the most overlooked parts of a jumbo loan application, since buyers tend to focus only on the down payment itself.
Can I use my VA benefit above the limit?
Yes. VA financing works above conforming ceilings, and it keeps the advantages that come with the benefit.
What is the difference between a jumbo loan and a conforming loan?
A jumbo vs conforming loan comparison really comes down to the county limit. Stay under it, and you have a conforming loan. Go above it, and the loan becomes jumbo, with its own separate set of lender guidelines.
Get your jumbo priced properly
Tell us about the property and how you are paid. We will shop it across the lenders active on jumbo right now, free.