Skip to content
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.
jumbo2
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

Steve, Mark, and Ashley are a great team! Buying a home can be a daunting process, but Steve and his crew kept us updated every step of the way. Always a pleasure to work with this great group of folks! I would highly recommend them to anybody… looking for a mortgage.

Gregory T.

Verified Customer
5.0

I had a great experience working with Terri! She was extremely communicative and helpful throughout what can often be a stressful process, especially for first-time homebuyers like my wife and me. I'd recommend working with her to anyone.

Tracesauveur N.

Verified Customer
5.0

Joshua is very knowledgeable and professional. He is thorough and pays close attention to detail. He was quick to find the best options for me and he helped me with the purchase of my new home. I highly recommend!! He looks out for your …best interest and I will always recommend him.

Exposure I.

Verified Customer
5.0

We had an excellent experience working with Jill Taylor throughout our home-buying process. As a veteran using my VA benefits to purchase our home, I especially appreciated Jill’s knowledge and experience with the VA loan process. She took the …time to help us understand our benefits, explained what to expect at each step, and made sure our questions were answered along the way. Jill was professional, knowledgeable, responsive, and genuinely helpful. Buying a home involves a lot of moving pieces, and having someone who understands the unique benefits available to veterans made the process much easier and gave us confidence that we were making informed decisions. Gina and I are very grateful for Jill’s assistance in helping us purchase our new home. I would highly recommend her, particularly to fellow veterans and military families looking for someone who understands VA home-buying benefits and will guide them through the process. Five stars!

Bradley B.

Verified Customer
5.0

Absolutely. Here’s a polished version that keeps the warmth and enthusiasm of what you experienced while still sounding credible as a professional review: Working with my broker was truly an exceptional experience. From beginning to end, she wa…s absolutely dynamite. She guided me through every step of the home-buying and financing process, patiently answered my many questions, and made herself available even during off-hours and on weekends. More importantly, she didn't just tell me what was happening—she educated me along the way, which helped me feel informed and confident in the decisions I was making. Throughout the entire process, I genuinely felt that she was advocating for me and working to ensure I received the best deal and outcome possible. Her responsiveness, professionalism, knowledge, and commitment went well beyond my expectations. Purchasing a home can be an overwhelming experience, but with her assistance, it became one of the easiest and most pleasant major transactions I've ever experienced. She is truly a gem in her field, and I would recommend her without hesitation to anyone looking for a knowledgeable, dedicated, and genuinely client-focused mortgage professional. Five stars aren't enough!

Benjamin C.

Verified Customer
5.0

From day one, Mike had our backs with the home loan process. Easy going, respectful, responsive and extremely knowledgeable .. the list goes on and on. We came out of our new home purchase knowing that we …were appreciated and very well taken care of with the financial aspect! Cheers to Mike!

Ronald B.

Verified Customer
5.0

Doug was extremely knowledgeable, friendly and easy to talk to. He guided us through the whole process step by step with great detail and made everything very easy for us to understand. Doug was able to work with our unique situation of being r…etired and military veterans and and helped us get the best possible rates and results. We would absolutely recommend Doug and lower mortgage to anybody that is buying a home! 10 out of 10 wonderful experience. Thank you so much Doug and the team!

Jackie R.

Verified Customer
5.0

TJ was great to work with throughout the whole process. This was my first time buying a home and using a VA loan, and she made the process smooth and easy to navigate. She was always responsive, answered any questions I had, and kept everything… moving through closing. I really appreciate everything she did for us and had a great experience working with her.

Jared P.

Verified Customer
5.0

Jack was recommend to my husband and myself by our realtor. We were not disappointed on how dedicated Jack was during the entire process. Especially as first time home buyers! Being lost on understanding what documents were needed was not easy,… but thankfully Jack was always a text/call away for all the help we needed. And he always updated us when we were a step closer of our final loan approval or for anything else. We definitely recommend Jack as your loan advisor because he demonstrates the dedication he has to make a home purchase, whether it's your first time or not. We will definitely get in contact with Jack again once we are ready for our next home purchase!

Lesly M.

Verified Customer
5.0

What made the experience great was how helpful, patient, and supportive everyone was throughout the entire process. They were always available to answer my questions, explain everything clearly, and make sure I felt comfortable and informed eve…ry step of the way. I truly appreciate all the hard work and dedication they put into helping me purchase my home. Thank you for making such an important experience a smooth and positive one! ❤️🏡

Laura M.

Verified Customer
5.0

This is the second time we have used Dave’s assistance with purchasing the home. He goes above and beyond such a pleasure to work with him.

Michael G.

Verified Customer
5.0

I was very unsure of pursuing the house purchase on my own but Phil provided great advice, reassurance every step of the way. Explained the whole transaction in detail

Emily J.

Verified Customer
A person scrolls on their phone

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.

A multifamily home at night
A person with a clipboard shows two people a house

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

Ready to get started?

Clear
Selection