Talk to us about a Jumbo Loan.

Jumbo mortgage loans work like other traditional home loans. You will have to go through the application, underwriting, and approval process, but the eligibility criteria for jumbo loans are stricter than traditional conforming loans. Lenders may require a higher credit score, lower debt-to-income ratio, and documentation of assets. Interest rates for jumbo loans may also be higher than traditional loans.


Program Advantages:

• Fixed or adjustable rate

• Maximum loan-to-value (LTV) of 90%, no MI required

• Loan amounts greater than $726,200

• Purchase, rate/term refinance, and cash-out refinance options for primary residences

• Purchase and rate/term refinance options for second homes & investment properties

• Credit Scores to 680

Eligible Property Types:

• 1-2 units

• Warrantable condos (low/mid/high rise)

• Planned Unit Developments (PUDs)

• Leaseholds


Certain restrictions apply on all programs. See your First Liberty Bank Loan Officer for complete program guidelines, loan application, applicable fees and annual percentage rates (APR’s) for all loan programs. Full underwritten approval is required and all loan approvals are subject to credit, income and asset review and approval.

If your property is worth more than most, consider a jumbo, or non-conforming, loan. Perfect for loan amounts that exceed Fannie Mae and Freddie Mac’s maximum conforming limits. If you can handle higher monthly mortgage payments, this program is for you.

  • For primary residence, vacation homes and investment properties
  • Alternative financing option that's ideal if you:
    • Borrow an amount above conforming loan limits
    • Lack sufficient funds
    • Wish to use funds in a non-traditional way