Jumbo Loan

If you need a mortgage and the loan amount exceeds the conforming loan limit, then a jumbo loan could be right for you.

Check today's rates 

Jumbo-loan

Key Features

Best option for loan exceeding the conforming limit

Can get with as little as 10% down

Choose from a variety of loan programs



Jumbo loan options for higher-priced homes.

When the loan amount you need is greater than the current conforming limit set by Fannie Mae (FNMA) and Freddie Mac (FHLMC), then you need what is called a jumbo loan. Jumbo home loans, like conventional loans, can be a fixed-rate mortgage, VA jumbo loans, adjustable-rate mortgage or FHA loan. At NASB, we understand your needs and can assist you with securing a jumbo loan at a great rate. Our team of top mortgage professionals are committed to making sure your experience is positive and rewarding, and our 82 Net Promoter Score* can back up that commitment.




Jumbo Loan Guidelines and Requirements

To qualify for a jumbo loan, there are certain requirements and guidelines to consider:

  • Loan amounts up to $1,250,000 with higher limits considered upon qualification
  • 20% down payment, or 10% with mortgage insurance
  • A maximum debt-to-income ratio of 43%
  • Six months of principal, interest, taxes, and insurance in reserves
  • Two-year seasoning required on bankruptcy, four years on short sale or foreclosure
  • Full appraisal required 
  • Get the most up-to-date rates available
  • For purchase or refinance, all loan types
  • Different rate and term options presented
  • A variety of mortgage payment calculations
  • Learn which loan is better for you
  • Help to make term and loan type decisions
What Our Customers Say
Jeremy A., October 21, 2022
★★★★★ (5)

"After recently moving from another state, we were very happy to have found NASB to fund our jumbo loan with reasonable terms and a speedy process. I have since referred several people to NASB and I will continue to do so in the future. Thank you all for doing a great job!"

$31 Billion in home loans

In the last decade based on lender data

103,000 home loan customers since 2010

Based on lender data

90 Net Promoter Score

Based on closed loan customer surveys from 6/1/2022 to 5/30/2023

Nationally competitive products. Individualized service.

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