Jumbo Home
Loans
Helpful mortgage information from Alpha Mortgage, our trusted home financing partner.
What is a Jumbo Loan?
A Jumbo Loan is any mortgage amount that goes beyond the conforming loan limits set by Fannie Mae and Freddie Mac. Because these loans fall outside of conventional guidelines, they come with more specialized underwriting standards—but also greater opportunities for qualified borrowers.
Down Payment Requirements:
The amount you’ll need to put down on a Jumbo Loan depends on your overall financial picture:
- As little as 10% down for well-qualified applicants.
- 20–30% down is common for many Jumbo Loan borrowers.
- Larger down payments can help you secure lower rates and more favorable terms.
Types of Properties You Can Finance
Jumbo financing is versatile and can be used for:
- Primary residences – Secure the perfect high-value home with tailored loan options.
- Vacation homes – Finance your beach house, mountain retreat, or seasonal getaway.
- Investment properties – Grow your real estate portfolio with larger rental or multi-unit properties.
Benefits of a Jumbo Loan
- Finance homes above standard conforming limits.
- Both fixed-rate and adjustable-rate programs available.
- Flexible loan sizes to match your property goals.
- Competitive rates for financially strong borrowers.
- Options for second homes and investment purchases.
Non-QM Jumbo Loan Options
Not everyone’s financial situation fits neatly into traditional lending rules. That’s why Alpha Mortgage offers Non-QM Jumbo programs for borrowers who need more flexibility:
- Self-employed clients who use bank statements for income.
- Real estate investors leveraging DSCR (Debt Service Coverage Ratio) loans.
- Borrowers with past credit challenges such as bankruptcy or foreclosure.
- Unique income sources that don’t align with standard underwriting.
These programs ensure that qualified buyers with strong financial capacity still have access to the financing they deserve.
Why Choose Alpha Mortgage for Your Jumbo Loan?
- Deep expertise – Skilled in both conforming and non-conforming loan programs.
- Flexible solutions – Loan products tailored to unique financial needs.
- Local knowledge – Trusted insight into markets we serve.
- Commitment – A team dedicated to helping you purchase your dream property.
Get Started Today
Contact us today to learn more about Jumbo Loan programs and see if you qualify.
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