Loan Options • Jumbo Home Loan
Jumbo home loans
When the home you want is priced above the conforming loan limit, a jumbo loan lets you finance it with one loan.
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At a glance
- Loan amounts above conforming loan limits
- Fixed and adjustable rate options
- Primary homes, second homes and investment properties
- Options for self-employed borrowers
Talk with a licensed loan officer
Is it right for you?
Who it’s for
Jumbo loans are built for luxury and higher-priced homes, including waterfront and coastal properties. Because each investor sets its own guidelines, working with a lender who can compare options matters.
Good to know
- Jumbo guidelines often call for stronger credit and more cash reserves.
- Larger loans may require more than one appraisal.
- Conforming loan limits are set each year by the FHFA and vary by county.
How it works
- Talk with usA quick, no-pressure call about your goals and budget.
- Apply onlineA secure application you can finish in minutes.
- Review your optionsClear numbers side by side so you can choose with confidence.
- CloseRegular updates from approval to the closing table.
FAQs
Common questions
What makes a loan a jumbo loan?
A loan is considered jumbo when the loan amount is above the conforming loan limit for the county where the home is located.
Are jumbo loans harder to get?
Guidelines are usually stricter, with higher credit and reserve requirements. Every investor is different, so we compare options to find the best fit for your situation.
Can I get a jumbo loan if I am self-employed?
Yes. There are jumbo options for self-employed borrowers, including some that use bank statements to document income.
This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, property eligibility and program availability. Not all applicants will qualify. Terms and programs may change without notice. FLO Mortgage, Company NMLS #1835856. Equal Housing Opportunity. Licensing & Disclosures.
Ready to see your numbers?
Answer a few quick questions and a local loan officer will follow up with your options.