A jumbo loan is a loan that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac.
For 2026, the Conforming Loan Limit is $832,750 for most of the US, apart from Alaska, Hawaii, Guam, and the U.S. Virgin Islands, where the limit is $1,249,125. Interest rates tend to be a little higher on jumbo loans because lenders generally have a higher risk with this type of loan.
To understand that you’re getting the best rate available for your particular scenario, it’s important to check and compare with a mortgage broker who has access to more wholesale lenders than banks and retail lender have. If you want to save time, start with a mortgage broker first. I work with Edge Home Finance, LLC and Edge has partnered with over 160 residential and commercial wholesale lenders!
Together with Edge, we’re here to make the jumbo home loan process easier, with tools and knowledge that will help guide you along the way.
We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you that meets with your overall investment planning and goals.
How our Jumbo Loan Process Works
- CLICK HERE, or on the blue button on the right side of this page to complete the application and upload the requested documents to the secure portal.
- Receive options based on your unique criteria and scenario
- Compare mortgage interest rates and terms
- Choose the offer that best fits your needs