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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.

Check ‘em out on: Trustpilot | Google | Zillow | Bankrate

5.0

Tom was always available and easy to contact when I needed him. Also, as a first time homebuyer, the process felt overwhelming at first. However, Tom made it as easy to understand and transparent as possible. I never felt lost in the woods or like I was waiting all day for replies. He made the closing extremely painless, too. I was expecting a far more exhausting day than I actually ended up having. I was glad that he showed up at the closing process to help me through it,. Overall, it was an excellent experience and I would highly recommend Tom.

Michael W.

Verified Customer
5.0

Josh was Easiest loan officer I've ever had to work with was honest through the entire process and made it easy to close would definitely recommend to anyone looking to purchase a home!

Marcy K.

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

Farryl was a lifesaver as we purchased our new home. She treated me with respect and integrity. Farryl was upfront about everything and extremely responsive (very reachable after standard working hours). She also helped me to find additional resources like Hometown Heroes. I will recommend Farryl to anyone I know that is purchasing a new home!

Rwk N.

Verified Customer
5.0

Taylor and his team went above and beyond throughout the entire home buying process! They were incredibly fast, responsive, and always gave clear, easy to understand instructions! I am so grateful for their hard work, communication, and dedication. I highly recommend Taylor to anyone looking into buying a home, he genuinely cares about his clients and gets the job done!

Beth M.

Verified Customer
5.0

Everyone was very attentive and detailed when helping me through my home buying process. Terry, Melanie, & Cassi help make my first time home buying process a brezze. I will definitely recommend anyone looking to purchase a home to work with this amazing group of people - you will not regret it!

Morgan R.

Verified Customer
5.0

I have close family that does the same thing Eva does and we chose Eva to help us again with the Purchase of our new home. We used Eva in 2021 as well and it was seamless. Eva helped us the entire way ! Late nights and early morning ready to assist us . wonderful, wonderful. Highly recommend!!

Trey B.

Verified Customer
5.0

Laura is a true professional from start to finish. Everything she did made my home buying experience easier. Laura is a valuable asset to your company. I will highly recommend her and lower mortgage to anyone I know who is looking to purchase a home.

Sharon P.

Verified Customer
5.0

Deanna was very pleasant and easy to work with. She was very attentive with any questions I had and took the time to explain the process. She is very knowledgeable and compassionate about the work she does, and it shows. With the help of her and her team, my family and I were able to accomplish one of our biggest dreams in buying a home. I can’t thank them enough!

Erica O.

Verified Customer
5.0

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
5.0

We very much enjoyed working with Greg Jones and Lower Mortgage where we received the highest level of service in securing the finance needed to purchase our vacation property in South Padre Texas The process was quick and professional. Your attention to detail and support were greatly appreciated. We definitely recommend Greg if ever in the market to purchase property

Thomas W.

Verified Customer
5.0

Laura was a true professional from start to finish. Everything she did made my home buying experience easy. Laura gave excellent advice and went above and beyond to communicate throughout the entire loan application and closing process. I would highly recommend her and her company, lower mortgage, to anyone looking to purchase a home.

Sharon N.

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.

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.

Learn More

Jumbo Resources

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