Jumbo Loans

Jumbo Loans exceed the conventional conforming limits (in most areas, that’s $510,400) set by Fannie Mae and Freddie Mac. Also referred to as non-conforming mortgage loans, are intended for luxury properties and those in the most competitive real estate markets.

For these larger loans, a 20% down payment is required but some lenders may accept 10-15% depending upon the size of the loan. Rates and minimum credit scores (700 FICO) for jumbo loans tend to be a little higher than the standard conventional loans. 


In addition to the standard proof of income and assets documentation, lenders like to see reserves left over after the closing for peace of mind knowing that you’ll have the ability to repay the loan in case of an emergency.

Loan product details are subject to change so be sure to check with your Sovereign Mortgage Investments LO for the latest information.

Buying a home is one of the most important investments you'll make. Let us put our experience to work for you.


We shop multiple lenders to find the best options and most competitive rates available to our clients. 

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