Jumbo Loans: Explore jumbo loan rates and features

In most parts of the country, any mortgage amount above $832,750 is considered a jumbo loan in 2026. That is the baseline conforming loan limit for a one-unit property set by the FHFA. In higher-cost counties, the conforming loan limit can go up to $1,249,125, which means buyers in places like Los Angeles County, San Francisco, and other high-cost markets may be able to borrow more before entering jumbo loan territory.

Because jumbo loan limits vary by state, county, and property type, it is important to check the property location before assuming you need a jumbo mortgage. A loan that is considered jumbo in Texas, Idaho, Georgia, Michigan, or North Carolina may still fall within conforming limits in certain high-cost counties in California, New Jersey, Connecticut, or the Northeast.

Typically, lenders will require using a down payment of at least 10% when purchasing a home using a jumbo loan but if you want to access lower rates, you'll ant to put at least 20% down. In Texas, you can get a jumbo loan with as little as 5% down depending on your qualifications.

With the right qualifications, jumbo loan amounts in Texas can reach up to $10 million or more. Keep in mind that the larger the loan, the stricter lenders will be with jumbo loan requirements like debt-to-income ratio, credit score, and cash reserves. Stronger borrower profiles—such as a high credit score, low LTV, and substantial assets—unlock the best jumbo mortgage rates and more flexible terms.

Not necessarily. While a credit score of 700+ often earns the most competitive jumbo loan interest rates, we work with borrowers who have slightly lower scores if they have strong compensating factors like a larger down payment or more reserves. At LendFriend, we’ll help you improve your credit if needed, so you’re positioned to qualify for the best jumbo loan rates today.

Yes. We offer alternative documentation programs like crypto mortgages, bank statement jumbo loans, asset depletion jumbo mortgages, and RSU income qualification. These solutions allow self-employed, high-asset, and non-traditional borrowers to qualify for a jumbo home loan without relying solely on tax returns or W-2s.

Eligible properties include single-family homes, townhomes, certain condos, second homes, and 1–4 unit investment properties—subject to lender guidelines. Whether you’re financing a luxury condo or a large multi-million estate, we shop multiple lenders to secure the best jumbo mortgage rates for your property type.

In certain high-cost areas such as Los Angeles or Orange County, 30-year jumbo mortgage rates can be just as competitive—or even lower—than conventional rates. This is because many lenders actively compete for high-quality jumbo borrowers in expensive housing markets. We monitor current jumbo mortgage rates nationwide so you can lock in the most competitive option for your location.

Yes. Many homeowners choose a jumbo refinance to lower their interest rate, switch from an ARM to a fixed-rate mortgage, or tap into home equity. Jumbo refinance rates vary by lender and market conditions, and can be higher or lower than conventional refinance rates depending on borrower profile. Whether you’re in a standard-cost state like Texas or a high-cost area like Los Angeles, refinancing a jumbo mortgage requires strong credit, solid income documentation, and often larger reserve requirements. We shop multiple jumbo mortgage lenders to help you secure the most competitive refinance structure for your goals.