Jumbo Loans

Financing for Luxury Properties

You shop for Your Home, We will shop for Your Rates.

WHAT ARE Jumbo LOANS?

Jumbo loans are designed for properties that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. These loans cater to borrowers looking to purchase high-value homes and require larger loan amounts than standard mortgages.

WHAT ARE the unique features of a jumbo loan?

  • High Loan Limits: Available for loan amounts that exceed conforming limits, these limits vary by county but generally start at $832,750 (2026) for most areas. High-cost areas may have a higher threshold.

  • Competitive Interest Rates: Despite the larger loan amounts, Jumbo Loans often offer competitive interest rates.

  • Flexible Terms: Available in various term lengths, such as 15, 20, or 30 years, to suit your financial goals.

WHo should consider a jumbo loan?

  • High-Income Earners: Ideal for individuals with significant income and strong financial profiles.

  • Luxury Home Buyers: Perfect for purchasing high-value properties or homes in expensive real estate markets.

  • Investors: Suitable for those looking to invest in luxury real estate or high-end properties.

how do i qualify for a jumbo LOAN?

  • Credit Score: Typically requires a credit score of at least 700, with some lenders requiring 720 or higher.

  • Down Payment: Usually requires a minimum down payment of 20%, though some lenders may accept less with strong borrower profiles.

  • Debt-to-Income Ratio: Should not exceed 45%, though exceptions may be made for borrowers with higher credit scores and significant cash reserves.

  • Income and Assets: Must demonstrate stable income and substantial assets to cover the loan amount.

How Do i apply for a Jumbo LOAN with you?

  • Check Your Credit Score: Ensure your credit score meets the minimum requirement of 700 - some lenders require a higher score.

  • Determine Your Budget: Use our mortgage calculator to understand what you can afford.

  • Prepare Documentation: Gather documents such as proof of income, tax returns, asset statements and employment history. If you are unsure of what you need, we can help.

  • Find a Jumbo Loan Lender: We will help you find a lender who is experienced in handling Jumbo loans.

  • Submit Your Application: Complete the online loan application using our industry leading software and provide the necessary documentation.

  • Home Appraisal: Your lender will arrange for an appraisal to determine the property’s value.

  • Close on Your Loan: We will support you to review and sign your loan documents to finalize the process. 

Congratulations on your new loan!

Your Future Starts Here

Applying with Integrity Home Funding is secure and customized to your needs. Not sure if you are ready? Give us a call and we will walk you through it!

6975 SW Sandburg Street, Suite 120

Tigard, Oregon 97223

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Licensed In: Oregon & Washington

Company NMLS: 2477880 | WA LIC: CL-2477880

Joel Martin NMLS:100117

Integrity Home Funding

All information is provided for educational purposes only

Not all applicants will qualify for all options. Specific program requirements are subject to change. All loans subject to qualifying factors. Not all applicants will qualify.

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