Specialty

Jumbo & High-Balance Loans

Jumbo and high-balance loans fund higher-priced purchases with structures built around stronger borrowers and larger assets.

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Who it's best for

  • Higher-value home purchases
  • Asset-heavy and high-income borrowers
  • Buyers in premium Southwest markets

At a glance

Loan size
Above conforming limits
Structure
Tailored to assets & income
Terms
Fixed or ARM options

Eligibility Snapshot

The numbers that matter for a jumbo & high-balance loans

General guidelines. Your exact terms depend on your full profile. We confirm current figures for your scenario before you rely on any of them.

Loan size
Above the conforming limit ($806,500 in 2025 baseline)
Down payment
Commonly 10–20%+, depending on loan size and profile
Credit score
Typically 700+; strongest pricing at 740+
Reserves
Several months of payments in reserve often required
Debt-to-income (DTI)
Usually 43% or lower, program-dependent
Property types
Primary, second home, and some investment

How It Works

Your jumbo & high-balance loans, step by step

  1. 1

    Scenario review

    We look at income, assets, and reserves early.

  2. 2

    Pre-approval

    We issue a credible pre-approval sized to the price point you are targeting.

  3. 3

    Application & disclosures

    You apply and we structure the down payment and reserves to fit the program.

  4. 4

    Appraisal(s)

    Higher loan amounts sometimes require more than one appraisal.

  5. 5

    Underwriting to clear-to-close

    Underwriting takes a closer look at assets and income; we manage it end to end.

  6. 6

    Closing

    You sign and close on your higher-value home.

Be A Sharp Borrower

What to ask any lender about this loan

Good questions get you better answers, and a better loan. Bring these to any conversation, including ours.

  • What is the exact conforming limit in my county, and how far above it am I?

  • How many months of reserves will I need, and what accounts count?

  • Is a fixed rate or an ARM smarter given how long I will hold this home?

  • Would a high-balance conforming loan be an option instead of a full jumbo?

Common Questions

Jumbo & High-Balance Loans FAQs

When do I need a jumbo loan?
When the loan amount exceeds the conforming limit for your county. $832,750 in most areas for 2026, higher in high-cost counties. We confirm the exact threshold for your area.
How much do I need to put down on a jumbo loan?
It varies by loan size and profile, but 10–20% or more is common. Larger down payments and strong reserves generally unlock better terms.
What credit score do I need for a jumbo loan?
Jumbo programs typically look for 700 or higher, with the best pricing at 740+. Because these files are scrutinized closely, your overall profile matters as much as the score.
Are jumbo loans harder to qualify for?
They involve a closer look at income, assets, and reserves than conforming loans. With 40+ years of experience, structuring these is a core JHL strength.
Can jumbo loans have fixed rates?
Yes. Both fixed-rate and adjustable-rate jumbo options are available, and the right choice usually depends on how long you plan to keep the home.
What is the difference between a jumbo and a high-balance loan?
A high-balance (or 'super-conforming') loan uses raised conforming limits in high-cost counties and can price better than a true jumbo. If you are near the line, we compare both.

Other programs

Purchase

Conventional Loans

The flexible standard for buyers with steady income and solid credit.

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Purchase

FHA Loans

Lower down payments and more flexible credit guidelines, backed by the FHA.

Learn more
Purchase

VA Loans

Zero-down financing earned by veterans, active-duty service members, and spouses.

Learn more

Let’s find the loan that fits your situation.

Apply online in minutes, or call and talk it through.

Get Started(602) 290-0897