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 | Est. Monthly Payment |
|---|---|---|---|---|
| Jumbo 30-Year Fixed | 7.000% | 7.227% | 2.075 | $6,320 |
| Loan Type | Rate | APR | Points | Est. Monthly Payment |
|---|---|---|---|---|
| Jumbo 30-Year Refinance | 6.875% | 7.136% | 2.350 | $6,240 |
| Loan Type | Rate | APR | Points | Est. Monthly Payment |
|---|
| Loan Type | Rate | APR | Points | Est. Monthly Payment |
|---|
Jumbo 30-Year Fixed: Interest rate offered based on $950,001 loan amount with 7.227% APR and $6,320 monthly payment at 70% loan-to-value (LTV) and 2.075 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.
Jumbo 30-Year Refinance: Interest rate offered based on $950,001 loan amount with 7.136% APR and $6,240 monthly payment at 70% loan-to-value (LTV) and 2.350 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.
Fixed 20-Year HELOC: Interest rate offered based on $100,000 loan amount with 9.500% APR and $932 monthly payment at 20% loan-to-value (LTV) and 0.027 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.
Fixed 30-Year HELOC: Interest rate offered based on $100,000 loan amount with 9.875% APR and $868 monthly payment at 20% loan-to-value (LTV) and 0.092 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.
Home equity lines shown assume a 3-year draw period, a $25,000 minimum initial draw, a $99 annual fee, a $100 minimum payment. Repayment period is 204 and 324 months, following the draw period. Terms are an example only and vary by line amount, property and credit profile.
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Laura was very communicative and always kept us informed on where we were during the process of purchasing our home. She always answered our questions in a timely and professional manner. We could not recommend Laura and the Lower Mortgage team… more!
Jason R.
Verified Customer
August 27, 2026
Gabriela is a wonderful communicator. She is really helpful and patient, and has a great sense of humor. This was my first time buying a home and working with Gabriela gave me a confidence I would not have had otherwise. I would recommend her w…ithout reservation!
Aliza A.
Verified Customer
September 25, 2026
This is the second time we have used Dave’s assistance with purchasing the home. He goes above and beyond such a pleasure to work with him.
Michael G.
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
Jill went out of her way to make our home purchase possible, and made my wife and I very comfortable through the process.
Ethan F.
Verified Customer
September 15, 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
This was the best buying experience. Everyone was attentive to what i needed to have a successful home purchase.
Tracy A.
Verified Customer
October 18, 2026
As a first time homebuyer, I was really nervous and had A LOT of questions. Reily took the time to explain things to me every time I had a question and walked me through the terminology of the home buying process. Not only did he explain things… well and took the time to speak with me when needed, he made the whole process approachable and less scary. Thank you for all your help Reily!
Jessica B.
Verified Customer
October 19, 2026
Buying a home can be stressful, but Mike made the mortgage process feel smooth and manageable. took the time to explain everything clearly, answered all of our questions, and kept us informed every step of the way. We always felt like we were …in good hands and that our best interests were truly a priority.
Jeanne C.
Verified Customer
September 4, 2026
I truly can’t say enough good things about Sean O’Neil with Lower Mortgage. When I say Sean is the best loan officer you could ask for, I genuinely mean it. Sean was there to help me purchase my very first home, guided me through buying my sec…ond home, and was right there again to help me navigate my first real estate investment purchase. Looking back, it’s pretty incredible to think about how much he’s been a part of some of the biggest financial decisions and milestones in my life. What makes Sean so special isn’t just how knowledgeable he is or how good he is at his job. It’s that he genuinely cares about the people he works with. He takes the time to answer questions, explain things, offer guidance, and make you feel like you have someone in your corner who truly wants the best for you. That kind of trust and relationship is hard to find, especially when making decisions as important as buying a home. Over the years, Sean has become so much more than just someone I call when I need a mortgage. He’s someone I trust, respect, and know I can count on. There has never been a question in my mind about who I would call for my next property purchase. Sean, thank you for everything you’ve done for me over the years. You’ve played a part in helping me accomplish some pretty incredible milestones, and I’m genuinely grateful for that. If you’re looking to purchase a home or invest in real estate, do yourself a favor and give Sean a call. I couldn’t recommend him more highly. Five stars all the way. Sean has earned a customer for life!
Trevor W.
Verified Customer
October 15, 2026
Thanks so much to Rachelle and team for making our home loan possible. She was super quick and super knowledgeable and always on call to answer any and all questions we had. She definitely made the process as easy as possible and worked very ha…rd for us, I highly recommend her and her team for anyone looking to buy a home
Gabriel A.
Verified Customer
October 25, 2026
My husband and I had an excellent experience with Jill Taylor. She was professional, knowledgeable, welcoming, and attentive throughout our interaction. She took the time to listen to our questions, explain the lending process clearly, and ma…ke sure we understood our options. Bradley and I truly appreciate her patience, communication, and willingness to provide helpful guidance. This experience left my husband and I feeling valued, respected, and confident in moving forward. We were treated with kindness, patience, and understanding throughout the entire process. This was my first buying a home, so I was so blessed with getting to work with Jill Taylor. Jill maintains an inspiring positive attitude and has very effective communication skills. She was so kind to us and it was evident based on the compassion she showed us. We respect Jill as she is honest, responsible, dependable, and shows integrity. EXCELLENT EXPERIENCE - I hope this is shared with others. Thank you, Jill!! Sincerely, Bradley and Regina Barnard
Regina B.
Verified Customer
August 14, 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.