Hybrid pricing on loan amounts above $832,750. We shop lenders so you get rates most buyers never see walking into a bank.
When the property you want exceeds the conforming loan limit, a jumbo loan is the path forward. Through our hybrid platform, we access jumbo programs across multiple lending partners to find terms a single bank simply cannot match.
A jumbo loan is a mortgage that exceeds the conforming loan limits set by the FHFA. For 2026, the conforming loan limit is $832,750 in most U.S. counties, though it varies. Any loan above the conforming limit for your county is considered a jumbo loan.
Because jumbo loans cannot be purchased by Fannie Mae or Freddie Mac, lenders hold them on their own books, which means stricter qualification requirements and slightly different underwriting than conventional loans.
Through our hybrid platform, we access jumbo pricing from multiple lending partners, often getting rates that individual banks cannot offer to the public directly.
Jumbo loans have stricter standards than conforming loans. Here is what lenders typically look for.
Most jumbo lenders require a minimum 700 credit score. Some premium programs need 720 or 740. A strong score unlocks the most competitive jumbo rates.
Some jumbo programs allow 10% down on loan amounts up to $1.5 million. Larger loans typically require 15-20% or more.
Jumbo lenders want a lower DTI than conventional loans. Many cap at 43%, though some portfolio lenders go higher for exceptional borrowers with significant reserves.
Jumbo lenders typically require 6 to 18 months of mortgage payments in liquid reserves after closing to demonstrate financial stability.
W-2 borrowers need 2 years of history. Self-employed borrowers need 2 years of tax returns. High-net-worth borrowers may qualify using asset depletion.
Many jumbo lenders require two independent appraisals for higher loan amounts or unique properties, protecting both parties on large transactions.
Jumbo loans are where hybrid platform access to competitive pricing makes the biggest difference.
We access jumbo programs from multiple lending partners not available to the public. On a $1.2M loan, even 0.25% off the rate saves over $50,000 in interest over 30 years.
Unlike big banks where you get passed between departments, our team manages your entire jumbo file personally from application through closing.
Portfolio lenders create their own jumbo guidelines, meaning more flexibility for self-employed buyers, investors, and complex income structures.
Invest West averages 21-day closings across all loan types. On competitive high-priced listings, closing quickly is a meaningful advantage over other buyers.
If you plan to sell or refinance in 5 to 10 years, an adjustable-rate jumbo mortgage often carries a significantly lower rate than a fixed loan.
High-value transactions deserve confidential handling. We treat every client's financial information with complete professionalism.
The FHFA updates conforming loan limits each year based on home price changes. For 2026, the baseline limit increased 3.26%. Jumbo starts wherever the conforming limit ends in your county.
| Area | 2026 Conforming Limit | Jumbo Starts At |
|---|---|---|
| Most U.S. Counties (baseline) | $832,750 | $832,751+ |
| High-Cost Areas (varies by county) | Up to $1,249,125 | Above county limit |
| Alaska & Hawaii | $1,249,125 | $1,249,126+ |
The jumbo process has a few additional steps compared to conventional loans. We make it straightforward.
We review your full financial picture, discuss loan amount, down payment, rate options, and whether a fixed or adjustable rate suits your goals.
We compare jumbo lending partners and issue a pre-approval showing sellers you are financially vetted for the price range you are targeting.
Jumbo loans require thorough documentation and often one or two appraisals. We manage this proactively to avoid delays.
We coordinate with title, the listing agent, and the lender to ensure closing happens on schedule. Most jumbo files close in 21 to 28 days.
Tell us about your purchase price, financial picture, and goals. We identify the best programs and show you the numbers side by side.