Jumbo Loans

If you’re buying a home that exceeds the conforming loan limit, Jumbo Loans provide the flexible financing you need. With most 2025 FHFA loan limits set at $806,500, any property priced above that threshold may require Jumbo financing. Whether you’re moving up, relocating, or investing in a high-value property, the JD.Mortgage team offers tailored Jumbo loan solutions to help you secure your ideal home. View the latest loan limits at FHFA.gov.

Connect with our team to review your Jumbo loan eligibility and financing strategy.

What Is a Jumbo Loan?

A Jumbo Loan is a mortgage used to finance homes that exceed the standard conforming loan limits set by Fannie Mae and Freddie Mac. In most areas, that limit is $806,500 for 2025, though it may be higher in certain high-cost counties. Because Jumbo Loans are not backed by government-sponsored enterprises (GSEs), lenders apply more stringent qualification standards. Borrowers often need higher credit scores, lower debt-to-income ratios, and strong asset reserves to qualify.

Learn more about the mortgage process here.

Who Should Consider a Jumbo Loan?

If you’re purchasing a home priced above $806,500 or refinancing a mortgage that already exceeds that amount, a Jumbo Loan may be the right fit. Ideal candidates include high-income earners, buyers in competitive housing markets, and borrowers with significant assets or equity in their homes. Jumbo Loans are commonly used to finance primary residences, second homes, and investment properties.

Explore Jumbo refinance options here.

Jumbo Loan Features and Flexibility

Not all Jumbo Loans are created equal. At the JD.Mortgage team, we offer a wide range of Jumbo products, including:

• Fixed-rate and adjustable-rate Jumbo loans
• Loan amounts up to several million dollars
• Down payments as low as 10% with no mortgage insurance (PMI)
• Flexible guidelines for self-employed borrowers
• Options for borrowers with complex income streams or large asset portfolios

See all available loan options.

Jumbo Loan Qualification Requirements

Because Jumbo Loans are considered non-conforming, they come with stricter qualification criteria. Most lenders require:

• A credit score of 700 or higher
• Low debt-to-income (DTI) ratio—typically under 43%
• Documented income and asset reserves
• Higher cash reserves, often 6–12 months of mortgage payments

Use our mortgage calculator to estimate payments.

Why Choose the JD.Mortgage Team for Your Jumbo Loan

We understand the nuances of high-value home financing. Whether your income is salary-based, commission-heavy, or tied to assets or investments, we take a consultative approach to structure your loan for long-term success. Our team offers responsive service, clear communication, and a full understanding of underwriting standards for high-dollar mortgages.

Let’s talk about your Jumbo financing goals.

Self-Employed and High Net Worth Borrowers Welcome

Many of our Jumbo loan clients are business owners, entrepreneurs, or self-employed professionals who may not fit traditional W-2 guidelines. We have access to flexible underwriting options that accommodate business income, asset-based income, and even bank statement qualification paths. Our goal is to help you leverage your financial picture—not get penalized by it.

See if a bank statement loan is a better fit for you.

Purchase or Refinance With Confidence

Jumbo Loans aren’t only for new home purchases. Many homeowners also use them to refinance existing mortgages, consolidate higher-interest debt, or access cash for renovations or investments. With competitive rates and tailored terms, our refinance options help you optimize your financial strategy in today’s housing market.

Thinking of buying? Start here.

Luxury Property Financing Nationwide

While we’re based in Colorado, the JD.Mortgage team helps clients finance high-value properties in 49 states (excluding New York). From coastal second homes to mountain getaways, we provide streamlined Jumbo financing wherever you’re headed. Our digital process and secure document upload tools make the experience simple—even if you’re relocating or buying remotely.

Return to our main mortgage hub.

Closing Thoughts

Whether you’re looking at luxury homes, relocating for work, or investing in high-value property, Jumbo Loans offer a powerful way to make your move. With rising home prices, more buyers are turning to Jumbo financing—even those who may have previously qualified under conforming limits. Let’s work together to build a solution that fits your goals.

Explore Conventional Loans | FHA | VA | USDA | DPA | Investment | Non-QM | HELOC | Second | Reverse | Construction | Contact Us