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A jumbo loan enables borrowers to obtain a significantly larger loan amount than what’s possible with a conventional loan. Due to the higher loan limits, lenders may require a larger down payment and a higher credit score to qualify for the loan.

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Jumbo Loans

Jumbo loans are mortgage loans that exceed the conforming loan limit set by Fannie Mae and Freddie Mac. In 2023, a Jumbo loan exceeds $726,200 in most counties with conforming loan limits being higher in more expensive counties.

These loans exist to fund luxury properties or homes in very competitive real estate markets and can reach into the millions. Jumbo loans are available in fixed and adjustable rate mortgages (ARM).