Jumbo Loans
Jumbo loans are mortgage loans that exceed the conforming loan limits set by the Federal Housing Finance Agency (FHFA). For 2026, the base conforming loan limit for a single-family home is $832,750 in most areas, but it can be as high as $1,249,125 in certain high-cost markets. If you need to borrow more than these limits, you'll need a jumbo loan.
Jumbo loans are designed for buyers seeking to finance luxury properties or homes in highly competitive real estate markets where prices exceed the standard loan limits. Because these loans are not eligible for purchase by Fannie Mae or Freddie Mac, they often involve a more specialized lending process. We strive to make this process as smooth and straightforward as possible to help you achieve your homeownership goals.
Are you above the conforming loan limit for 2026?
If the amount you need to borrow is greater than $832,750 in most areas — or above the higher limit in your county — you'll need a jumbo loan. Loan limits can vary by county, especially in high-cost regions, so it's worth checking your local limit. If your desired loan amount exceeds these thresholds, reach out to us to discuss your options and see how we can help you finance your next home.