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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

This is my second home purchase with Monica Mudie and I must say she is amazing and continues to serve the exact same level of care, professionalism and detail as she did for my first home. I always learn more when working with Monica she likes to make sure her clients are informed and understand why things are happening. She is my preferred lender always . At this point she feels like family lol, thank you 1,000 times over!

Shantee T.

Verified Customer
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

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
5.0

Very smooth and professional process. Jon did an excellent job and made my recent condo purchase easy and stress-free. He was always responsive, took the time to answer my questions, and helped address any concerns along the way. I appreciated his communication, knowledge, and guidance throughout the entire process. I would gladly work with him again and highly recommend him to others.

Cory S.

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

Working with Mr. Bobby Matthews and his team was truly an outstanding experience. From the very beginning, they demonstrated professionalism, dedication, and a genuine commitment to making the home-buying process as smooth as possible. Purchasing a new home can often feel overwhelming, but Mr. Matthews made every step clear, organized, and stress-free. One of the most impressive aspects of working with him was his communication and responsiveness. He consistently provided timely updates and important information throughout the process. Whenever I had questions or concerns, he was readily available and quick to respond. His reliability gave me confidence and peace of mind from start to finish. Beyond his responsiveness, Mr. Matthews' knowledge and expertise truly set him apart. His understanding of the market, attention to detail, and commitment to my best interests were evident in every interaction. It was clear that he genuinely cared about helping me make informed decisions and ensuring a positive experience. Overall, this was an exceptional experience, and I am incredibly grateful for the support and guidance Mr. Matthews and his team provided. I wholeheartedly recommend him to anyone looking to purchase a new home. If you're looking for a knowledgeable, dependable, and dedicated professional, Mr. Bobby Matthews is an excellent choice. I will gladly refer him to my friends and family without hesitation.

Marquis C.

Verified Customer
5.0

Ruth was very professional and an excellent communicator. She was very efficient in getting our finances secured for our new home purchase. The experience was seamless. Ruth communicated to us throughout the whole process so that we were educated on time frames and milestones regarding our financing to closing. I highly recommend Ruth for any lending services. She is very knowledgeable and very approachable! Thank you so much Ruth, you were amazing!

Lindsay R.

Verified Customer
5.0

The Esersky Group has been phenomenal. Miguel possesses vast knowledge on the real estate industry and loan processes. He made our first-time home buying experience smooth and transparent. We cannot thank Miguel and his team enough for their dedication during the purchase of our home. When we reviewed our loan options, Miguel stepped in with poise, tact, and excellent problem-solving skills to find the best possible loan options based on our unique situation. His deep knowledge of the local Santa Clarita market and constant communication kept us feeling confident and in control at every stage. A true professional who goes above and beyond! Thank you Miguel!!

Cesar A.

Verified Customer
5.0

Bob and his team was very supportive allowing for any questions answered and made the process of purchasing my home a smooth one

Eloise P.

Verified Customer
5.0

Chris Velasquez and the entire Lower Mortgage team exceeded my expectations throughout the home-buying process. As a self-employed owner-operator, I knew my mortgage application would require extra documentation and attention, but Chris made everything as smooth and stress-free as possible. From the very beginning, Chris was responsive, knowledgeable, and always willing to answer my questions. He kept me informed every step of the way, explained the underwriting process clearly, and helped me navigate all of the requirements with confidence. His communication was outstanding, and I always felt like he genuinely cared about helping me achieve my goal of homeownership. Purchasing my new home in Palm Coast was a major milestone for my family, and Chris played a huge role in making it happen. He stayed on top of every detail, worked hard to keep the process moving, and helped ensure a successful closing. I highly recommend Chris Velasquez and the team at Lower Mortgage to anyone looking for a mortgage lender they can trust. If you’re looking for professionalism, excellent communication, and someone who truly puts their clients first, Chris is the person to call. Thank you for helping make my dream of owning a home in Florida a reality!

Qaid S.

Verified Customer
5.0

Working with Bobby was an outstanding experience from start to finish. He is incredibly knowledgeable, efficient, and transparent, and he made what could have been a stressful process feel manageable every step of the way.No matter how many questions I had, Bobby was always patient, responsive, and took the time to explain everything until I fully understood my options. I never felt rushed or left in the dark. His communication was excellent throughout the entire process, and I always knew what to expect next.What impressed me most was his genuine commitment to helping me reach the closing table. He consistently went above and beyond, worked diligently behind the scenes, and made me feel like my home purchase truly mattered to him. This is the first of many, and when the time comes to purchase my next home, Bobby will be my first call!

Toni E.

Verified Customer
5.0

Jake and the Lower Mortgage team made our home-buying experience incredibly easy from start to finish. They were professional, responsive, and always available to answer our questions throughout the process. They made what could have been a stressful experience feel smooth and straightforward. We truly appreciate everything they did for our family and highly recommend Jake and the Lower Mortgage team to anyone looking to purchase a home!

Meghan C.

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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