Jumbo & Super Jumbo Loans

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Jumbo & Super Jumbo Loans

Jumbo Loans are non-conforming loans that extend higher than the loan amounts set by the Federal Housing Finance Agency.  Jumbo financing is also available for loan amounts greater than $510,400. These loans provide funding in excess of the standard conforming loan limits for the county in which the home is located.

Borrow more!

A Jumbo Loan provides financing for loan amounts higher than conforming loan limits.  If you have a high property value, you should consider products from our Jumbo Loan menu. Some key advantages:

  • Provides a quick turnaround for your property financing
  • Borrow up to $3 million with our competitive rates
  • Consistent monthly payments available with our 30- and 15-year fixed rate Jumbo Loans
  • Lower your initial payments with our 3, 5, 7, or 10 year adjustable rate Jumbo option
FNMA & FHLMC Loan Limits:

Currently, on a one unit property, the Fannie Mae (FNMA) and Freddie Mac (FHLMC) conforming loan limit is $510,400, except for Alaska, Hawaii, Guam, and the U.S Virgin Islands, the limit is $765,600. Higher limits may be available in other areas, depending on the county location within the United States and is published annually by The Federal Housing Finance Agency (FHFA).

Conforming Jumbo

Similar to a conforming mortgage, a conforming jumbo mortgage is also controlled and guided by Fannie Mae (FNMA) and Freddie Mac (FHLMC). However, it offers higher loan amounts throughout the country based on the region’s median home values. This application process is also streamlined. It offers extended loan-to-value ratios (LTV) and increased lending limits. The maximum loan amount for a Conforming Jumbo loan is $765,600. However, some areas have a lower maximum.  Click to the right to see what lending limits are offered in your area. Typically a price premium is applied to the conforming loan pricing on conforming jumbo loans.


Jumbo mortgages are loans that exceed the conforming jumbo limits. While many underwriting guidelines are based on those set forth by Fannie Mae (FNMA) and Freddie Mac (FHMLC), these loans are not governed by these entities. The loan limits for jumbo lending are not set by any governing body and typically range from $510,400 to around $1,500,000 or $2,000,000. Streamline processes have been established for these loans. However, additional requirements and overlays are often applied when underwriting for approval. For example, the lender may ask for an additional appraisal and/or impose slightly a lower loan-to-value (LTV) ratio restriction. Although long term fixed rate Jumbo mortgages are widely available, adjustable rate products have proven a more common option with these loans.

Super Jumbo

Super jumbo mortgages are typically considered to be loans greater than $2,000,000, and like a jumbo loan, do not have defined or formal lending limits. With fewer lenders participating in these larger loans, super jumbo mortgages are considered a niche in the industry. Generally, a private banking partner or a super jumbo specialized lender provides these loans. LOANLYNX originators have tenure in providing homeowners loan products of this magnitude. Please contact your LOANLYNX super jumbo specialist for details and assistance.

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