★★★★★“The process was easy and she was persistent and did not let us fall through.”— Gioconda, Hudson NC★★★★★“Had answers to every question we had and helped us every step of the way. Would definitely recommend.”— Trey, Marietta GA★★★★★“Our situation was a bit unusual and she was still able to make everything a breeze!”— Bradd, Williamsburg VA★★★★★“Micheal went through every part of the process and explained to us in detail so we were well informed.”— Quincy, Kannapolis NC★★★★★“Very quick and very easy process. Their team is too good. I really recommend them!”— Ketan Patel, Wesley Chapel FL★★★★★“Always available and ready to explain and answer any questions I had. Very professional!”— Sheryl, Griffin GA★★★★★“Step by step took me thru the process and worked day and night to the finished line.”— Miguel, Clementon NJ★★★★★“I felt I was dealing with a friend rather than a loan officer. She managed to get the best possible interest rate.”— Deborah, Honea Path SC★ 485+ Five-Star Reviews on LendingTree ★★★★★★“The process was easy and she was persistent and did not let us fall through.”— Gioconda, Hudson NC★★★★★“Had answers to every question we had and helped us every step of the way. Would definitely recommend.”— Trey, Marietta GA★★★★★“Our situation was a bit unusual and she was still able to make everything a breeze!”— Bradd, Williamsburg VA★★★★★“Micheal went through every part of the process and explained to us in detail so we were well informed.”— Quincy, Kannapolis NC★★★★★“Very quick and very easy process. Their team is too good. I really recommend them!”— Ketan Patel, Wesley Chapel FL★★★★★“Always available and ready to explain and answer any questions I had. Very professional!”— Sheryl, Griffin GA★★★★★“Step by step took me thru the process and worked day and night to the finished line.”— Miguel, Clementon NJ★★★★★“I felt I was dealing with a friend rather than a loan officer. She managed to get the best possible interest rate.”— Deborah, Honea Path SC★ 485+ Five-Star Reviews on LendingTree ★
Purchase

Jumbo Loans: Financing for Higher-Value Homes

Jumbo loans are designed for borrowers who need to finance a home that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. In most areas, that means loan amounts above $806,500 (2025 limits), though higher limits apply in designated high-cost markets. Whether you’re purchasing a luxury property, a larger home in a competitive market, or a high-value investment, a jumbo loan provides the financing you need.

At IH Lending, we work with wholesale lenders who specialize in jumbo products, giving our clients access to competitive rates and terms that rival — and often beat — what big banks offer for high-balance loans.

Key Features of Jumbo Loans

  • Higher loan amounts: Finance properties well above conforming limits — with some jumbo products available up to $3 million or more.
  • Competitive rates: Jumbo rates have become increasingly competitive, often comparable to conforming loan rates for well-qualified borrowers.
  • Fixed and adjustable options: Choose between the stability of a fixed rate or the potential savings of an ARM, with terms from 15 to 30 years.
  • Primary and secondary homes: Jumbo financing is available for your primary residence, a second home, or select investment properties.

Jumbo Loan Requirements

Because jumbo loans are not backed by Fannie Mae or Freddie Mac, lenders take on more risk — which means qualification requirements are typically stricter than for conforming loans. Here’s what to expect:

  • Credit score: Most lenders require a minimum score of 700-720, with the best rates reserved for scores above 740.
  • Down payment: Typically 10-20% depending on the loan amount and lender, though some programs offer lower down payment options.
  • Reserves: Lenders often require 6-12 months of mortgage payments held in liquid reserves after closing.
  • Debt-to-income ratio: Generally capped at 43%, with some flexibility for strong compensating factors.

Why Choose IH Lending for Your Jumbo Loan?

Jumbo loans require expertise and access to specialized lenders. As a wholesale broker, we can shop your jumbo loan across multiple sources to find the best rate, lowest fees, and most favorable terms — giving you the same personalized service on a high-balance loan that we bring to every transaction.

Purchase

Refinance