Jumbo loans
Enjoy lots of benefits and few simple requirements.
Jumbo Home Loan Benefits
Down payments as low as 10% on purchases
Loan amounts up to $10 million
Available for primary residences, second homes, and investment properties
Eligible property types: single-family homes, condos, and 2–4 unit properties
Flexible loan options: fixed-rate, adjustable-rate, and interest-only
Jumbo Home Loan Eligibility
Minimum FICO of 620 in some scenarios
Tighter underwriting guidelines apply
Full income and asset documentation typically required
Reduced documentation available for select investment property loans
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Our Jumbo loans are made for real people.
Think you might not qualify for a Jumbo loan? Think again. Our Jumbo loans require as little as 10% down on select amounts, with limits up to $10 million.
Even if your credit score isn't perfect, we have flexible options to help you achieve your goals, and our bank statement program means no paperwork headaches. We're all about making those bigger loans work for almost everyone.
Reach out to your loan officer to learn which type of loan is right for your situation.
Frequently asked questions
Loan-to-value (LTV) tells you how much equity you have in your home relative to how much you owe on it and what the house is worth. LTV is important to know when refinancing because it can affect your interest rate and whether or not you’ll need Private Mortgage Insurance (PMI).
Jumbo loans often come with higher interest rates due to the larger loan amount and increased risk for lenders. How do I apply for a jumbo loan with Embrace Home Loans? You can start the application process online or by contacting a loan officer for guidance on your eligibility and loan options.
Jumbo loans allow buyers to finance luxury homes or properties in high-cost areas that exceed conforming loan limits.
Loan amounts vary depending on the lender and your financial profile, but they typically start above the conventional loan limit of $726,200.
A jumbo loan is a mortgage that exceeds the conventional loan limits set by Fannie Mae and Freddie Mac, allowing you to finance a higher-value home. Who qualifies for a jumbo loan? Borrowers with strong credit scores, a low debt-to-income ratio, and significant down payments are typically eligible for jumbo loans.
