Jumbo Loans —
Above the Limit. Still Closeable.
Financing above the conforming loan limit for primary residences, second homes, and investment properties. Competitive rates. No agency restrictions.
When the Home Costs More Than the Conforming Limit.
Conventional Fannie Mae and Freddie Mac loans have a maximum loan limit — called the conforming loan limit — which adjusts annually. In 2025 that limit is $806,500 for most counties in the US and higher in designated high-cost areas like parts of California.
When your loan amount exceeds the conforming limit for your county you need a jumbo loan. Jumbo loans are not backed by Fannie Mae or Freddie Mac — they're held by the lender or sold to private investors. That means different qualification standards, typically stronger credit and reserve requirements, but also more flexibility on certain guidelines.
Jumbo products exist for primary residences, second homes, and investment properties. If your purchase price is pushing above the conforming limit — or you're in a California market where $800K buys a starter home — let's talk about what's available.
"Above the limit doesn't mean out of reach. It means you need the right lender."
Most US counties. Above this = jumbo loan required.
Selected high-cost counties including parts of California.
Ask me about your specific loan amount and property type.
What to Expect With a Jumbo Loan
Jumbo loans for primary residences typically offer the most competitive rates and the widest range of down payment options — starting as low as 10% for qualifying borrowers.
Jumbo financing for second homes and vacation properties. Typically requires 10–20% down depending on loan amount and borrower profile.
Investment property jumbo loans for high-value rental properties. Typically 20–25% down with strong credit and reserve requirements.
Stronger Profile Required — Here's What That Means.
Licensed in California — Where Jumbo Is the Norm.
In most Louisiana markets a $500,000 home is a luxury purchase. In California it's a starter home. I'm licensed in California and work with buyers across the state where jumbo financing isn't the exception — it's the standard transaction.
Whether you're buying in the Bay Area, Los Angeles, San Diego, Sacramento, or anywhere in between — I can structure a jumbo loan for your purchase or refinance. And if you're a California buyer relocating to Louisiana, Mississippi, or Texas I can handle both markets under one relationship.
Frequently Asked Questions
What is the conforming loan limit in 2025?
Are jumbo rates higher than conventional?
Can I get a jumbo loan if I'm self-employed?
How much do I need to put down on a jumbo loan?
Should I call a lender or realtor first for a high-value purchase?
The Mississippi Estate — 20 Acres, Mansion, Pool, and Stables.
Not every transaction is a starter home. I had a client in Mississippi who was purchasing a property that most lenders wouldn't know how to touch — over 20 acres of land with a two-story mansion, an outdoor kitchen, an in-ground pool, and a full stable.
This wasn't a conventional loan. This wasn't FHA. This was a jumbo transaction that required a lender who understood high-value property financing, acreage, and the unique documentation requirements that come with estate-level purchases in markets where appraisals don't have many comps.
We got it done. The right product for the right property. That's the difference between a loan officer who knows one lane and one who knows the full road.
"Above the conforming limit doesn't mean out of reach. It means you need the right lender who has done it before."
Mississippi estate purchase well above the conforming loan limit with unique appraisal and documentation challenges.
High-value rural estate transactions require lenders who know jumbo guidelines inside and out — not every lender can close these.
Right product. Right documentation. Right lender. If your purchase is above the conforming limit — call me first.
Serving Louisiana, Mississippi, Florida, Texas & 5 More States
Based in Baton Rouge, Louisiana — serving Denham Springs, Livingston, Gonzales, Walker, Zachary, New Orleans, Shreveport, Lafayette, and Lake Charles. Mississippi: Jackson, Gulfport, Biloxi, Hattiesburg, Mendenhall, Vicksburg. Florida: Tampa, Orlando, Jacksonville, Naples, Boynton Beach, and statewide. Texas: Houston, Dallas, San Antonio, Austin, and statewide. California: Los Angeles, San Francisco, San Diego, Sacramento, and statewide.
