Jumbo Loans

Jumbo Loans — Financing Above Conforming Limits

No property is too large for Tiger Loans. Competitive jumbo financing for high-value homes starting at $766,551.

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What is a Jumbo Loan?

A jumbo loan is a mortgage that exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA). For 2024, that means any loan above $766,550 in standard markets. Because jumbo loans can't be sold to Fannie Mae or Freddie Mac, lenders hold them in their own portfolios and set their own underwriting guidelines.

Jumbo loans are the standard financing vehicle for luxury homes, high-priced coastal real estate, and large investment properties. Despite higher loan amounts, jumbo rates have become increasingly competitive, often matching or beating conventional loan rates for well-qualified borrowers.

At Tiger Loans, we work with multiple jumbo lenders to find the most competitive terms for your high-value purchase. Whether you're buying a primary residence, second home, or investment property, we have jumbo solutions that work.

Who Is It For?

Jumbo loans are for buyers purchasing high-value properties who need financing above the conforming limits. These borrowers typically have strong credit, high income, and significant assets.

Luxury homebuyers
Properties priced above conforming limits
Coastal buyers
High-cost markets like CA, NY, FL
High-income earners
Professionals, executives, business owners
Investment buyers
High-value rental and commercial-adjacent

Key Benefits

No Loan Ceiling

Finance multi-million dollar properties with a single mortgage

Competitive Rates

Jumbo rates now often compete with conventional loan rates

All Property Types

Primary, vacation home, and investment properties eligible

Fast Processing

Tiger Loans specializes in complex high-value loan closings

Jumbo Loan Details

Minimum Loan Amount
$766,551 (above 2024 conforming limit)
Down Payment
10%–20% typical (varies by lender and loan size)
Credit Score Minimum
700+ (720+ for best rates)
Cash Reserves Required
6–12 months PITI after closing
Loan Terms
15, 20, 30 years fixed · ARM options available
Property Types
Primary, Second Home, Investment
Private Mortgage Insurance
Not applicable — no PMI on jumbo loans
Debt-to-Income (DTI)
Typically 43% or below
Documentation
Full income documentation required

*Rates are for informational purposes only. Contact us for your personalized rate quote.

Jumbo Loan Eligibility

Jumbo loans require stronger financials — here's what lenders look for.

Basic Requirements

  • Credit score 700+ (720+ preferred)
  • 10%–20% down payment
  • Full income documentation (W-2, tax returns)
  • 6–12 months reserves after closing
  • Debt-to-income ratio under 43%
  • Appraisal by approved jumbo appraiser

Strengthening Your Application

  • Credit score 740+ for premium rates
  • 20%+ down payment (best terms)
  • 12+ months reserves (shows stability)
  • Low DTI (under 36% is ideal)
  • Multiple income sources documented
  • Strong asset portfolio (investments, retirement)

Frequently Asked Questions

Ready to Finance Your Dream Home?

Our jumbo loan specialists work with the best portfolio lenders to get you competitive terms on your high-value purchase.

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