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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.

No-impact credit check. No commitment.
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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

No-impact credit check. No commitment.

A better, all-digital
experience with 30,000+
5-star reviews.

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5.0

Very informative and patient with us. Walked us through every step of the way. Being first time homebuyers we had so many questions and Claudia broke down every answer. Thank you for an amazing experience

Jasmin P.

Verified Customer
5.0

Michael has been great to work with. He has already helped us in our purchase of 2 rental properties and working on our 3rd. We love his advise and knowledge he shares with us. Thank you Michael

Levi H.

Verified Customer
5.0

Erik has profound knowledge not just in Home loans but in general overall home purchases. His advice was very valuable and extremel helpful. His approach to solving any is extremely swift and precise. Amazing guy.

Surya C.

Verified Customer
5.0

I randomly chose Tonya to visit with back in the fall when I was thinking of buying a property. I had googled lenders in my area, but I was drawn to Tonya's website, possibly because she was a female.. Sometimes men can be intimidating. She was very nice and we had a good visit. She gave me the information I needed to know how much I could afford to purchase. So that got tabled!! When spring rolled around and I decided to go ahead and invest in a property, I knew I wanted Tonya to be my lender. She was pleasant, knowledgeable and dedicated! She presented me with different options for my loan , plus processed a HELOC for me. She worked really hard And we were able to close in two weeks!

Jyl E.

Verified Customer
5.0

My wife and I cannot thank this team enough for everything they did to help us buy our home. This was not a simple transaction, and there were several unexpected challenges along the way. Through every obstacle, they stayed patient, professional, and incredibly supportive. They kept us informed, answered every question we had, and worked tirelessly to keep everything moving forward. We never felt like just another transaction—we truly felt like they cared about helping our family. We are beyond grateful for everything Nadia, Jessica, and the entire team did for us. Thanks to their dedication, communication, compassion, and hard work, we are now homeowners. If you're looking for a team that will stand by you, fight for you, and genuinely care about your success, I highly recommend them. No words can truly express how grateful we are for everything they did for us. They are an extraordinary team of people who took us by the hand and guided us through one of the most difficult journeys of our lives. They never stopped fighting for us, never gave up when challenges arose, and were with us every step of the way. This wasn't just a home purchase—it was the beginning of a new chapter in our lives. They didn't simply help us buy a house; they helped our family find a place to call home. We will always be grateful for the kindness, compassion, and dedication they showed us throughout this journey. Thank you for helping make our dream come true. Brian and Elena Tidwell

Brian T.

Verified Customer
5.0

When noone else could, she did! Stacey Smith is an absolute rockstar! As a business owner navigating the complexities of a new home purchase (including explaining transition compensation and all the documentation that comes with it), I was stressed about getting approved with the terms we needed. Stacey not only got us approved, but she locked in a fantastic interest rate the day before rates jumped significantly—something no other lender could pull off. She has a wonderful personality that makes the entire process feel easy and enjoyable. Stacey is incredibly detailed, responsive, friendly, and truly goes above and beyond. If you’re a business owner (or anyone else) looking for a loan officer who delivers results with a smile, I highly recommend Stacey Smith. She made what could have been a nightmare into a smooth, positive experience. Thank you, Stacey! Highly recommend — 5 stars!

Joseph J.

Verified Customer
5.0

From beginning to end, Sean was a great partner with us. He spent time before we were ever a customer helping us understand the various borrowing options we had so we could understand what our flexibility would do for us. Then when we were engaged on an actual house, he helped us apply our options creatively, even walking us through one option where the money could come from a non-traditional path which would result in Lower Mortgage not even having a part to play. When someone is willing to help you, and NOT make money, that's a level of support one rarely sees. In the end, we used a traditional loan for the property we purchased, and he found us a really great rate (not trivial considering some of the aspects of the home). We'll end up doing a major refinance in 1-2 years after a deep remodel is complete and we've sold our other property, and we absolutely will work with Sean and the team again for that "final" loan.

Mark E.

Verified Customer
5.0

Doug is a rockstar! His team are diligent and never gave up. Our home purchase was on life support due to put of control circumstances, but Doug and his team made it happen. We couldn't be more thankful for his efforts. He was in constant communication and we will definitely use his services again.

Andrew H.

Verified Customer
5.0

Bobby is incredibly efficient, thorough, and knowledgeable. From start to finish, he maintained excellent communication and was transparent throughout the entire process. Whenever I had questions, he was patient, took the time to explain everything clearly, and made sure I fully understood every detail before moving forward. His professionalism, responsiveness, and genuine care made what could have been a stressful experience feel smooth and manageable. When it’s time for me to purchase another home, Bobby will be my first call. Outstanding customer service paired with authentic care is the recipe for earning a lifelong client. I highly recommend him!

Antoinette E.

Verified Customer
5.0

Mr. Chris saved my life—in the sense of how he helped me, the patience and assistance he provided, and the advice, guidance, and discipline he instilled in me to help me achieve the goal of buying my home. Mr. Chris is the best; May God bless him always as he continues to help families fulfill their dream of homeownership. Thank you from the bottom of my heart.

Luis N.

Verified Customer
5.0

Nadia made the buying experience great for us. She was very helpful and informative with us. She went out of her way to help us and make the experience as smooth as possible. We will gladly recommend her to anyone we know that may be interested in purchasing or refinancing a hom. thank you for everything.

Abel Q.

Verified Customer
5.0

Patrick and his team basically took care of everything... All I had to do was upload a few documents and Sign On-line a few more but everything was completed by Him!!! Made this Purchase SOOOO Easy

Christopher W.

Verified Customer
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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.

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.

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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.

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.

Learn More

Jumbo Resources

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