Above conforming

JUMBO

Purchase and refinance options for larger loan amounts. Credit, income or eligible assets, reserves, property and underwriting requirements vary by program.

Loan limit lookup

Check your county loan limit

Not sure if you need a jumbo loan? Check your county limit first.

Loan limits sourced from Fannie Mae 2026 data. Limits shown are for conventional conforming loans only. Actual loan approval subject to credit, income, and lender underwriting. WestFi NMLS #2890320 · CA DRE #02443798.

Jumbo Loan

A Jumbo loan is designed for borrowers purchasing or refinancing higher-priced properties that exceed their respective county's conforming loan limits. These loans are commonly used in luxury and high-cost housing markets where home values are significantly above the county's conventional loan limits.

Because Jumbo financing involves larger loan amounts and increased lender risk, although qualification standards are generally more detailed, available participating programs depend on the complete borrower and property scenario. Not every applicant or property will qualify. Lenders often place greater emphasis on credit history, income consistency, asset reserves, and overall financial strength.

Jumbo loans are commonly used for:

Luxury home purchases
High-value refinance transactions
Cash-Out transactions
Multi-million-dollar primary residences
Self-employed borrower financing
High-end real estate acquisitions & investments.

Many Jumbo borrowers include physicians, attorneys, executives, entrepreneurs, and investors with complex income structures or substantial assets.

Jumbo underwriting considerations:

Debt-to-income and reserve requirements vary by borrower, property, lender and program

Jumbo financing provides qualified borrowers with expanded purchasing power and flexible financing structures for luxury and higher-value real estate.

Mortgage Product Disclaimer

The information provided above is for general educational and informational purposes only and should not be interpreted as a commitment to lend, preapproval, underwriting approval, or financial advice. Loan programs, eligibility requirements, interest rates, debt-to-income ratios, mortgage insurance premiums, and financing terms may vary based on borrower qualifications, credit profile, occupancy, property type, loan amount, and applicable underwriting guidelines.

All mortgage loans are subject to credit approval, property approval, verification of income and assets, and investor or lender underwriting requirements. Certain programs, including FHA, VA, Jumbo, and Conventional financing, may have additional restrictions or qualification standards.

Interest rates, APRs, loan terms, and program availability are subject to change without notice and may not be available at the time of loan commitment or lock-in. Mortgage insurance premiums and FHA program guidelines are established by HUD/FHA and may change periodically.

Westmount Financial Group Inc DBA WestFi is an Equal Housing Opportunity mortgage company. We fully comply with the Equal Credit Opportunity Act (ECOA), Fair Housing Act, and all applicable federal and state lending regulations.

NMLS ID: 2890320. For licensing information and consumer access, please visit NMLS Consumer Access. Please review our Privacy Policy and Terms of Service. Equal Housing Opportunity.