When does a loan become jumbo?

A loan is jumbo when it exceeds the applicable conforming limit. For a one-unit home, the 2026 national baseline is $832,750. Higher limits apply in some counties and for properties with more units. We check the property's county and unit count.

Are jumbo rates higher than conforming?

Jumbo and conforming quotes can differ by lender, loan amount, credit, and reserves. If both structures are available for your purchase, compare actual rates, points, fees, and the cash required rather than assuming one will cost less.

Can I put less than 20% down on a jumbo?

Some jumbo programs may allow less than 20% down. Availability depends on the lender, loan amount, credit, reserves, and property. Ask Lee to review current options for your purchase.

I'm self-employed. Will that work?

Self-employed borrowers can be considered for jumbo financing. The selected program determines the income and asset documents needed. Start with a conversation, then provide any requested financial records through the secure application.

Jumbo Loan

Jumbo Loans

Financing for loan amounts above your county's conforming limit.

Planning a larger purchase? Compare jumbo lenders' rates, reserve requirements, and down payment options with Lee.

Ask about preapproval Full loan application

Start with a conversation. The full application opens in ARIVE and is the place for financial details and documents.

About Jumbo Loans

Jumbo loans exceed the applicable conforming loan limit. Lenders can set different credit, down payment, and reserve requirements. Lee can help compare available programs for your loan amount and property.

Key benefits

Real competition

Jumbo lenders set different pricing and eligibility requirements. We compare available options for your loan amount and financial profile.

Flexible structures

Interest-only, ARM, 30-year fixed, or a piggyback combination to stay conforming on the first lien, we match the structure to your cash flow.

Down payment options

Down payment requirements vary by lender and loan amount. Credit history, reserves, and the property also affect the available options.

Prepare your file

A larger loan can require more income and asset documentation. Lee can help identify what's needed before underwriting.

The process

Income and asset pre-review, we confirm the file is jumbo-ready before writing letters
Compare available jumbo programs and their costs and requirements
Lock, disclose, and order appraisal
Underwriting and close

Questions we get a lot

Jumbo FAQ

A loan is jumbo when it exceeds the applicable conforming limit. For a one-unit home, the 2026 national baseline is $832,750. Higher limits apply in some counties and for properties with more units. We check the property's county and unit count.

Check the program details

Requirements vary by borrower, property, and lender. These official sources explain the program rules and annual limits.

Other loan programs

Not sure which one fits?

We'll help you compare. Here's what else is on our rate sheet.

Serving

Fort Thomas, KY Florence, KY Bellevue, KY Covington, KY Newport, KY Alexandria, KY Highland Heights, KY Cold Spring, KY Northern Kentucky Cincinnati, OH Dayton, KY

Ask about Jumbo loans

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