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Jumbo loans

Jumbo loans for larger home purchases

Jumbo loans make it possible to finance luxury or high-value homes beyond standard loan limits.

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Jumbo Loan Benefits

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.

Higher loan limits—beyond conforming loans
Flexible loan terms
Multiple property types
Customized loan solutions
Streamlined approval process

Today's Jumbo Loan Rates

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experience with 30,000+
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"The entire process was quick and simple. they offered the BEST rates, BEST overall payment, LOWEST monthly payment (and closing costs).... GO WITH THESE GUYS if you are refinancing"
Robert
LendingTree
"I reached out to about half a dozen banks when looking for a Home Mortgage. Lower came back with the best rates and the agent was extremely responsive and helpful."
Shane
LendingTree
"Jake and his team provided outstanding customer service we were able to close our deal in record time (19 days). Excellent feedback was also received from the title company regarding the lender."
AJ
Zillow
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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.

Explore jumbo loan options with Lower

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.

Get your personalized quote today
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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.

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Frequently Asked Questions

You've got jumbo loan questions. We've got answers.

Ajumbo 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, 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. Find a Lower loan advisor.

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.

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Jumbo Resources

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