Buy big in Colorado Springs. Flexible jumbo loan options for high-end homes.
In 2025, the conforming loan limit is set at $806,500 in most U.S. counties. Any loan amount above this threshold is considered a Jumbo Loan. Jumbo financing allows homebuyers to purchase high-value properties with a single mortgage, avoiding the need for multiple smaller loans. The JD.Mortgage team at PRMG offers flexible Jumbo programs, including fixed and adjustable options, competitive rates, and access to expanded guidelines for borrowers with complex income. Lending in 49 states (excluding NY), we help clients achieve luxury and high-balance homeownership goals nationwide.
Jumbo Loans | High-Balance Mortgage Options
A Jumbo Loan is any mortgage that exceeds the 2025 conforming loan limit of $806,500 (in most areas). These loans are designed for borrowers purchasing high-value homes or refinancing large mortgages that fall outside of Fannie Mae and Freddie Mac’s limits. The JD.Mortgage team at PRMG provides tailored Jumbo solutions to fit your financial profile. See how a Jumbo Loan can expand your buying power.
What Is a Jumbo Loan?
Jumbo Loans, also known as non-conforming loans, allow borrowers to finance properties that exceed conforming loan thresholds. Because they fall outside of conventional agency guidelines, Jumbo Loans require specialized underwriting, but they also offer more flexibility for unique income, credit, or asset profiles. Compare Jumbo vs. Conventional Loans here.
2025 Conforming Loan Limits
The Federal Housing Finance Agency (FHFA) sets annual conforming loan limits. For 2025, the baseline limit is $806,500 in most U.S. counties. High-cost areas may have higher limits, but in many markets, borrowing above $806,500 requires a Jumbo Loan. View official FHFA limits.
Key Features of Jumbo Loans
- Loan amounts above $806,500 in 2025 (baseline counties)
- Fixed and adjustable-rate options
- Financing for primary, secondary, and investment homes
- Expanded guidelines for self-employed or high-asset borrowers
- No private mortgage insurance (PMI) requirement in most programs
Who Should Consider a Jumbo Loan?
Jumbo financing is ideal for:
– Buyers of luxury properties
– Borrowers in competitive housing markets with higher prices
– Homeowners refinancing large existing loans
– Investors pur