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Jumbo Loan

Mortgage with loan amount above the county conforming loan limit. Held in lender portfolios or securitized privately.

Jumbo loans exceed the conforming loan limit set by Fannie Mae and Freddie Mac (which varies by county; $832,750 in most counties, up to $1,249,125 in high-cost counties for 2026). Jumbo underwriting is stricter - 700+ FICO and 6-12 months of reserves typical. Pricing has compressed in recent years; jumbo rates are sometimes lower than conforming rates. Useful for buyers in high-priced markets and luxury homes.

Related terms

Conventional Loan

Mortgage not insured or guaranteed by the federal government. The standard mortgage product, sold to Fannie Mae or Freddie Mac.

Reserves

Liquid assets you have remaining after closing, expressed in months of housing payments. Lenders verify reserves to confirm ability to weather hardship.

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Today's mortgage rates

Conventional

6.000%

6.038% APR

FHA

5.500%

5.529% APR

VA

5.490%

5.519% APR

Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.

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