Jumbo Loans

A jumbo mortgage provides financing above the conforming loan limit for your property’s location and number of units. Whether you need a jumbo loan depends on the amount you borrow—not simply the home’s purchase price.

Jumbo Program Highlights

Loan amount: Selected options from $400,000 up to $5 million. A separate Michigan portfolio option has a $100,000 program minimum, but its Jumbo loan-size threshold must also be met. A $100,000 request does not automatically qualify as a Jumbo loan; minimums and conforming thresholds vary by option.
Credit score: Options starting at 660 on selected tiers. Larger loans, higher financing percentages, and other structures may require stronger credit.
Down payment / equity: As low as 10% on selected purchases. The largest loan amounts and other scenarios require more equity or down payment.
Occupancy: Primary residence, second home / vacation home, or investment / rental property, subject to program and transaction requirements.
Property types: Eligible single-family homes, 2–4 unit properties, and condos, subject to occupancy, project, and program requirements. Second homes are limited to eligible one-unit properties.
Loan purposes: Purchase, rate-and-term refinance, and selected cash-out refinance options. Availability varies by program.
Rate structure: Fixed-rate and adjustable-rate options are available, depending on the program.
Interest-only: Available on selected programs, with different loan limits, occupancy, and underwriting requirements.
Amortization / repayment: Fully amortizing options are available. Your loan officer can confirm the repayment terms for your scenario.

For 2026, the conforming loan limit for a one-unit home is $832,750 in most counties. Certain high-cost counties have higher limits, up to $1,249,125 in Michigan, Florida and California. Your down payment and the applicable county limit help determine whether conforming or jumbo financing fits your purchase.

As an independent mortgage brokerage serving Michigan, Florida and California, Pro Mortgage Funding can help you compare jumbo financing options. Fixed-rate and adjustable-rate programs may be available, with down payment, credit, income and reserve requirements varying by lender and program.

Use the quote form to tell us about your financing needs. A loan advisor can help you check the applicable loan limit and explore options for your situation.

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