Jumbo loans for larger home purchases
Jumbo loans make it possible to finance luxury or high-value homes beyond standard loan limits.
Finance high-value homes while
enjoying competitive rates.
With attractive rates and flexible terms, Lower’s jumbo loans
are designed to fit your needs, whether you’re buying
a primary residence, vacation home, or investment property.
Today's Jumbo Loan Rates
Legal Disclosures
| Loan Type | Rate | APR | Points | Monthly Payment |
|---|---|---|---|---|
| Jumbo 30-Year Fixed | 7.125% | 7.360% | 2.175 | $6,400 |
| Loan Type | Rate | APR | Points | Monthly Payment |
|---|---|---|---|---|
| Jumbo 30-Year Refinance | 7.250% | 7.502% | 2.250 | $6,480 |
| Loan Type | Rate | APR | Points | Monthly Payment |
|---|
Jumbo 30-Year Fixed: Interest rate offered based on $950,001 loan amount with 7.360% APR and $6,400 monthly payment at 70% loan-to-value (LTV) and 2.175 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 9, 2026.
Jumbo 30-Year Refinance: Interest rate offered based on $950,001 loan amount with 7.502% APR and $6,480 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 9, 2026.
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We cannot thank Nadia and her entire team enough for everything they did for us throughout our home-buying journey. From the very first day until well after closing, Nadia was always there for us—answering every question, guiding us through eve…ry step, and making sure we never felt alone in the process. Buying a home can be stressful, especially when unexpected challenges come up. There were moments when we truly thought our dream of buying a home might not happen. But thanks to Nadia's optimism, professionalism, patience, and the incredible support of her entire team, we never lost hope. They kept encouraging us, finding solutions, and helping us move forward. What touched us the most was how genuinely they cared. We never felt like just another transaction or another file on someone's desk. They treated us with kindness, compassion, and respect, making us feel more like family than clients. They truly listened to our concerns, supported us every step of the way, and celebrated this milestone with us. My husband and I are beyond grateful and incredibly happy in our new home. We wholeheartedly recommend Nadia to anyone looking for a knowledgeable, dedicated, and caring loan officer. If you want someone who will truly stand by your side from beginning to end, Nadia is the person to trust.
Elena T.
Verified Customer
July 21, 2026
Marc stepped in and saved my client's condo purchase in the 11th hour when the original lender could no longer close the deal with the original mortgage rate along with other complications . Thanks Marc Creach
Mary F.
Verified Customer
August 16, 2026
Vickie is extremely good at her job, she has great communication skills, and just genuinely cares about her clients. She goes above and beyond and always offers her advice. It's a long, tough process buying a home, and she makes it go a lot smo…other and less worrisome. I love working with Vickie for my loans.
Vicki W.
Verified Customer
September 9, 2026
Judy was phenomena! She went above and beyond in helping us purchase our forever home. Thank you!!
Jacquelin M.
Verified Customer
August 24, 2026
Luis made every step easy for me and my wife to purchase our dream home. Highly recommend.
Isaul V.
Verified Customer
August 11, 2026
My experience with Erik and the group was amazing. I and my husband are first-time home buyers and we didn't have a clue about buying a home. Erik was very thorough and hands on with the whole process. We learned a lot from Erik and we thank hi…m and everyone that helped us. We love our new home. Much thanks to Erik for helping to make it happen!
Stephanie D.
Verified Customer
September 15, 2026
Vickie is such a Pro! She came highly recommended from a very successful Realtor in Northern MN and boy, are we ever grateful! Vickie knows the business inside and out and she successfully guided us through … the entire process. She's also got a great personality and is such a fun and delightful person! We will definitely be working with Vickie again on our next purchase!
Lynn T.
Verified Customer
August 30, 2026
Steve, Mark, and Ashley are a great team! Buying a home can be a daunting process, but Steve and his crew kept us updated every step of the way. Always a pleasure to work with this great group of folks! I would highly recommend them to anybody… looking for a mortgage.
Gregory T.
Verified Customer
August 16, 2026
Absolutely.The best experience I have had with buying a home. Judy and her team are simply the best of what they do!!!
Paxton M.
Verified Customer
July 24, 2026
We had a great experience purchasing our new home with Lower Mortgage. Not only did they help us get the best loan rate, we felt like the process was so easy. We worked with Rick Fantucci, and would recommend anyone we know reach out to him to …purchase their next property.
Amanda D.
Verified Customer
July 28, 2026
Edgard was patient, nice and communicative and answered questions that we had about the process of buying a home and informed us on every step to the end. He really helped us get throug. He is a true professional . Thank you again
Emmanuel B.
Verified Customer
August 23, 2026
Dane and his team made it incredibly easy to get through this process! I was very stressed going into this as it was my first home purchase, but he answered all of my questions and walked through the process.
Jacob D.
Verified Customer
October 4, 2026
What is a jumbo loan?
A jumbo loan is designed for properties that exceed conforming loan limits, typically over $766,550 in most areas. Jumbo loans aren’t backed by Fannie Mae or Freddie Mac.
Personalized support for your jumbo loan.
At Lower, our jumbo loan specialists are here when you need them, even on weekends. Reach out by text, call, or email—no need to wait for bank hours.
Shop around with no impact on your credit.
Explore your jumbo loan options freely with Lower. Get pre-qualified without a hard credit check and see the jumbo loan rates and terms available to you—risk-free.
You've got jumbo loan questions. We've got answers.
A jumbo loan is designed for homebuyers who need to borrow more than their county's conventional loan limit.
Because jumbo loans involve larger loan amounts, they often come with stricter qualification requirements than other mortgage options. Borrowers may need stronger credit, more cash reserves, a lower debt-to-income ratio, or a larger down payment depending on the loan scenario.
Even so, for buyers shopping in competitive or high-value markets, a jumbo loan can be the right tool for making the purchase possible.
Are jumbo loans available for
second homes and investment properties?
Yes, Lower offers jumbo loans for primary residences, second homes, and investment properties. Each property type may have slightly different requirements, so talk to your loan advisor for details.
Can I get a fixed or adjustable rate with a jumbo loan?
Yes, jumbo loans are available with both fixed and adjustable rates. A fixed rate provides stability with predictable payments, while an adjustable rate may offer lower initial payments, ideal for short-term homeowners.
What are the credit score and down payment
requirements for a jumbo loan?
Jumbo loans generally require a higher credit score, often 700 or above, and a larger down payment, typically between 10% and 20%. These requirements may vary based on loan terms and property type.
Find today's jumbo loan rates for your state
Jumbo mortgage purchase and refinance rates vary by state. Click on your state below to find state-specific rates.
Jumbo Resources
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How to Qualify for a Jumbo Loan in 2026
Learn how to qualify for a jumbo loan, including credit score requirements, down payment...
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Jumbo Loan Closing Costs Guide
Discover essential insights on jumbo loan closing costs, including typical fees, qualification...
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What DTI Do You Need for a Jumbo Loan?
Discover the essential credit score and debt-to-income ratio requirements for qualifying for a...
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What Credit Score Do You Need for a Jumbo Loan?
Discover the credit score requirements for jumbo loans, including lender preferences and additional...
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What Down Payment Do You Need for a Jumbo Loan?
Discover essential insights on jumbo loan down payments, requirements, and cash reserves to help...
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What Is a Jumbo Loan? It Depends Where You Live
Learn about jumbo loans, including what counts as a jumbo and requirements to get one.