Go big and go home.
Big homes call for Jumbo Mortgages. If your dream home exceeds conforming loan limits, we’ve got you covered.
Jumbo Mortgage: How it can help
The lap of luxury > loan limits
Don’t let the price of your dream home get in the way of your dream life. A Jumbo Mortgage makes luxury living more accessible.
Higher balances
Conventional loans have a lending limit. Jumbo loans can go much higher.
Up to $2.5 million
With limits like these, you can lend large and live larger.
$832,750
The current conforming (conventional) loan limit,1 as of 12/8/2025.
Fixed or flex?
Whether it’s fixed-rate or adjustable-rate, choose the Jumbo mortgage that’s right for you.
No place like homes
Jumbo mortgages are available for both primary residences and second homes.
Jumbo potential
We offer Jumbo loans for single-family homes, condos and planned-unit development communities.
Jumbo Mortgage FAQs
A Jumbo mortgage is basically what it sounds like: a really big home loan, used for homes that are really big, highly priced, or in highly competitive markets.
More specifically, a “Jumbo” mortgage exceeds the conforming lending limit set by the Federal Housing Finance Agency (FHFA). This typically means any loan above $832,750.1
Traditional mortgages have a typical lending limit of $832,750,1 so if your dream home costs more, a Jumbo mortgage is your best bet, as you could access up to $2.5 million in financing.
Yes, Jumbo mortgages require stricter qualifications. Which means you’ll need:
- A higher credit score
- A lower debt-to-income ratio
- A larger down payment
- Greater liquid assets after closing
While it may not be the best answer — it really depends! Jumbo mortgage rates can be greater than those you’ll get with a conventional loan, or they can be comparable. An LMCU loan officer will assess your credit score, the loan amount, and the current market to determine your rate.
Save even more with LMCU’s Max Mortgage discount!
Buying a home? Start here.
Connect with one of our local mortgage experts. They’re ready to answer any homebuying questions you may have with a smile and an extra mile.
The home of all your homeownership needs.
Disclosures
2026 Conforming mortgage limits for single-family homes are $832,750 Loan limit may differ in select markets.
To receive MaxMortgage discount, mortgage payment must be an automatic payment that comes from an LMCU checking account with an ACH deposit. Some programs may not be eligible, discuss with your mortgage loan officer for further details.
