Jumbo Mortgage Loans

Jumbo mortgage loans are needed to finance luxury homes, such as million-dollar properties or loans that are above the conforming loan limits.

For nearly any loan size, money is available to finance exquisite properties.

Mindful Money maintains extensive resources for borrowers who need a jumbo mortgage to buy a home or to obtain a jumbo mortgage cash-out refinance.

What is a Jumbo Mortgage?

A jumbo mortgage represents a loan amount that’s higher than the conforming loan limit, which is established by the Federal Housing Financing Agency.

In 2025, a mortgage loan size that exceeds $806,500 would require a jumbo mortgage loan.

Jumbo Loan Requirements

Unlike the qualifications for a conventional mortgage loan, jumbo mortgage loan requirements are usually more rigid.

Due to the loan size and a lender’s inability to sell jumbo mortgage loans to Fannie Mae or Freddie Mac, a strict adherence to conservative guidelines should be expected.

This is why it makes sense to work with a mortgage broker to find attractive terms for jumbo mortgage loans.

Jumbo Mortgage Rates

Generally, jumbo mortgage rates are priced higher than loans that meet conforming standards.

Working with an experienced mortgage broker can save many hours of comparison shopping for the best jumbo loan rates.

While many lenders offer jumbo mortgage loans, a licensed mortgage broker with access to hundreds of lenders can shop the marketplace to find competitive jumbo mortgage rates.

Reach out to Mindful Money to discuss jumbo mortgage rates in Arizona, California or Colorado.

Get a Jumbo Mortgage Loan

Avoid traveling to a local bank to get a jumbo mortgage loan.

Mindful Money offers a convenient process for borrowers to apply for a jumbo mortgage loan online.

Inquire today about jumbo mortgage rates in Arizona, California or Colorado.

Licensed mortgage broker, Samantha Cooley has helped borrowers obtain jumbo mortgage loans for more than 20 years.

Speak with Samantha today about getting a jumbo mortgage loan.