Jumbo Loans
Looking to purchase a high-value home in Las Vegas? When your dream home exceeds the conforming loan limits, a Jumbo Loan can help you finance it.
What is a Jumbo Loan?
A Jumbo Loan is a type of mortgage used to finance properties that exceed the limits set by the Federal Housing Finance Agency (FHFA). In most areas of the country, this means any $806,500 in Clark County. Because these loans fall outside of conforming limits, they are not eligible to be purchased or guaranteed by Fannie Mae or Freddie Mac.
Jumbo Loans are ideal for buyers purchasing luxury homes or properties in competitive markets like Las Vegas, where home prices often surpass the national average.
Jumbo loan Highlights
Finance high-priced or luxury homes
Flexible loan terms and options
Competitive interest rates
Available for primary homes, second homes, and investment properties
Who Qualifies for a Jumbo Loan?
Because Jumbo Loans carry more risk for lenders, the qualification standards are typically stricter than those for conventional loans. Borrowers usually need:
A strong credit score (typically 700+)
Low debt-to-income ratio (DTI)
Larger down payments (often 10-20%)
Sufficient cash reserves
Start Your Jumbo Loan Application Today
If you’re buying a luxury home in Las Vegas or refinancing a high-value property, our team is ready to help.
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Jumbo loan Programs
JUMBO MORTGAGE
A jumbo loan, or non-conforming mortgage, allows you to purchase more expensive homes with a loan amount above the conforming limit set by the Federal Housing Finance Agency. In most areas of the country, the conventional conforming loan limit is $806,500; however, the limit is $1,209,750 in higher cost areas.
If you have a low debt-to-income (DTI) ratio and a higher credit score, but you don’t have enough funds to bring the loan amount under the conforming limit, a jumbo loan might be the right option for you.