Home loans

Jumbo
loans.

For loan amounts above the conforming limit.

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The program

For homes that need a larger loan.

A jumbo loan is a mortgage above the conforming loan limit, the largest loan that Fannie Mae and Freddie Mac will buy. Because they don’t buy it, each lender sets its own rules for credit, down payment and cash reserves.

That makes jumbo loans worth shopping. Vadim compares jumbo programs across lenders, for a main home, a second home or an investment property.

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What to know

Four things to know about jumbo loans.

  1. 01

    The limit changes yearly

    The conforming limit is set each year, and it is higher in high-cost counties.

  2. 02

    Reserves count

    Lenders often ask for savings left over after closing, called reserves.

  3. 03

    Fixed or adjustable

    Both are available, and terms vary from lender to lender.

  4. 04

    A closer look at income

    Expect full documentation of your income and assets.

Working with Vadim

One broker, from the first call to the keys.

  1. Talk it through

    A call about your plans, your numbers and your timeline.

  2. Apply once

    One application and one credit check, while Vadim looks at several lenders.

  3. Vadim shops the loan

    As a broker, he compares loans from multiple lenders and brings you the options.

  4. Close

    He stays with you through underwriting, the appraisal and closing.

Loan programs

Nine ways to buy or refinance a home.

Buying your first home, refinancing the one you have, or borrowing against it. Investing instead? See the investor loans.

For homebuyers

Buying or refinancing a home

Owner-occupied loans

Ask about home loans
09Programs
  1. ConventionalA standard mortgage that isn’t backed by the government.
  2. FHAInsured by the FHA, with flexible credit guidelines.
  3. VAFor eligible veterans, service members and surviving spouses.
  4. USDAFor eligible homes in rural and some suburban areas.
  5. JumboFor loan amounts above the conforming limit.
  6. RefinanceChange your rate or term, or take cash out.
  7. Second MortgageBorrow against your equity and keep your first mortgage.
  8. RenovationBuy or refinance and fund the renovation in one loan.
  9. Down Payment AssistancePrograms that can help cover your down payment.