Jumbo

Loans

Jumbo Loan Requirements for 2025

Now it’s easier than ever to buy or refinance a home between $806,500 and $10 million.

What is a Jumbo Loan?

A jumbo loan, also known as a jumbo mortgage, is a type of financing that exceeds the limits set by the Federal Housing Finance Agency (FHFA). Generally, borrowers must undergo more rigorous credit requirements than those applying for a conventional loan.

When do Jumbo Loans Come into Play?

As of 2025, the Federal Housing Finance Agency raised the maximum conforming loan limit for single-family property to $806,500 and in high-cost areas $1,209,750. That means that depending on your area, loan amounts above $806,500 could be considered "Jumbo." 

Click the link below to see a map showing the 2025 maximum loan limits across the U.S.  

Arcstone Jumbo Loan Benefits

 

  • Fewer requirements and a simpler process (compared to previous jumbo loans) make it easier to get a big loan.

  • Purchase a home with a down payment greater than 10%.

  • Unlike many conventional loans, no mortgage insurance is required, even when your down payment is less than 20%.

  • Jumbo loans are available for primary homes, second homes, and investment properties, located on up to 20 acres.

  • We offer a 30-year fixed interest rate on our jumbo mortgages.

  • Jumbo loans are available for both one-and two-unit properties.

Jumbo Loan Requirements

 

  • Must have a credit score of 680 or above.

  • Must have a debt-to-income (DTI) ratio of 45 percent or less.

  • Will need 6-12 months of principal, interest, taxes, and insurance on hand for reserves.

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