High‑Value Home Financing for Virginia, Maryland & Washington DC
A Jumbo Loan is designed for borrowers purchasing homes that exceed the standard conforming loan limits set by the Federal Housing Finance Agency (FHFA). In high‑cost markets like Northern Virginia, Maryland, and Washington DC, Jumbo Loans provide the financing power needed to purchase luxury homes, large properties, or homes in competitive neighborhoods.
If you’re buying a higher‑priced home or refinancing a large mortgage, a Jumbo Loan may be the ideal solution.
If you’re comparing high‑balance options, explore our Conventional Loans and FHA Loans
Jumbo loans are ideal for borrowers who need financing above local conforming loan limits and want flexible options for higher‑value homes. This program is a great fit for:
If you’re looking to finance a home that exceeds conforming limits, a Jumbo loan may be the perfect solution.
A Jumbo Loan is a mortgage that exceeds the 2026 conforming loan limits, which are the maximum loan amounts eligible for purchase by Fannie Mae and Freddie Mac. Because Jumbo Loans fall outside these limits, they require stronger credit, higher reserves, and more detailed underwriting.
Jumbo Loans are commonly used for luxury homes, high‑value primary residences, second homes, investment properties, and homes in high‑cost areas.
Loan limits vary by county. Here are examples for our region:
Fairfax County, VA: $1,149,825 Montgomery County, MD: $1,149,825 Washington DC: $1,149,825 Prince William County, VA: $1,149,825
Any loan amount above these limits is considered a Jumbo Loan.
Jumbo Loans offer powerful advantages for qualified borrowers.
High loan amounts for luxury and high‑value homes Competitive interest rates Flexible loan terms Available for primary, second homes, and investment properties No mortgage insurance with sufficient down payment Financing options for self‑employed and high‑income borrowers Strong approval options for borrowers with significant assets.
Because Jumbo Loans carry higher risk for lenders, the guidelines are more detailed.
Credit Score Most lenders require a minimum score of 680 to 700 or higher.
Down Payment Typically 10 to 20 percent down. Some borrowers may qualify for 5 percent down depending on profile and lender.
Income and Employment Stable income and strong employment history are required. Self‑employed borrowers may qualify with tax returns, bank statements, or alternative documentation.
Reserves Jumbo Loans often require several months of reserves (savings or assets) after closing.
Debt‑to‑Income Ratio Most lenders prefer a DTI of 43 percent or lower.
| Scenario | Home Price | Down Payment | Loan Amount | Borrower Profile | Result |
|---|---|---|---|---|---|
| Northern Virginia Luxury Home | $1,350,000 (Arlington, VA) | 20% ($270,000) | $1,080,000 | 760 credit, W‑2 income | Approved with competitive Jumbo rate |
| Maryland Suburban Jumbo Purchase | $1,050,000 (Bethesda, MD) | 10% ($105,000) | $945,000 | 720 credit, strong reserves | Approved with slightly higher reserve requirement |
| Washington, DC Rowhome | $1,250,000 (NW DC) | 25% ($312,500) | $937,500 | 740 credit, self‑employed | Approved using averaged 1099 income |
| Jumbo Refinance in Fairfax County | $1,100,000 loan | N/A | $1,100,000 | 740 credit, high equity | Approved — reduced rate and monthly payment |
| Luxury Condo in National Harbor | $900,000 (MD) | 20% ($180,000) | $720,000 | 700 credit, salaried | Approved — condo project met Jumbo guidelines |
High‑value financing doesn’t have to be complicated. Whether you’re buying, refinancing, or exploring your eligibility, our Jumbo loan specialists can guide you with clarity and confidence.
Get a personalized quote today — no obligation, no credit pull required.
Jumbo loans follow a similar process to conventional mortgages, but with more detailed underwriting. Here’s what to expect:
We review your credit, income, assets, and goals to determine your eligibility.
You receive a strong pre‑approval letter — essential for high‑value home offers.
Find a property that meets your needs and falls within Jumbo loan guidelines.
We verify income, assets, reserves, and property details. Jumbo underwriting is more detailed, but we guide you through every step.
A high‑value home typically requires a more comprehensive appraisal.
Once underwriting is complete, you sign your final documents and close on your new home.
Our team ensures a smooth, efficient process from start to finish.
Jumbo loans offer excellent financing for high‑value homes, but they aren’t the right fit for everyone. You may want to consider a different loan option if:
Conventional loans often allow lower down payments and more lenient credit requirements than Jumbo financing.
Most Jumbo programs require strong credit. Borrowers with lower scores may qualify more easily for FHA, VA, or conventional financing.
Jumbo lenders typically require several months of reserves. If your savings are tight, a conforming loan may be a better fit.
Conforming loans often offer lower rates and reduced mortgage insurance options, which can result in a smaller monthly payment.
If your purchase price falls under the local conforming limit, a standard conventional loan is usually the more cost‑effective choice.
Asset‑based Jumbo loans are designed for borrowers who have strong liquid assets but may not meet traditional income documentation requirements. Instead of relying solely on W‑2s or tax returns, lenders use your assets to help qualify you for a high‑value mortgage.
This program is ideal for:
Instead of calculating income from employment, lenders may use:
A portion of these assets is converted into “qualifying income,” allowing you to meet Jumbo loan requirements without traditional documentation.
This option is perfect for borrowers who have the financial strength to support a high‑value mortgage but prefer not to rely on traditional income documentation.
| Feature | Jumbo Loan | Conventional Loan |
|---|---|---|
| Loan Amount | Above conforming limits | Up to conforming limits |
| Credit Requirements | Higher | Moderate |
| Down Payment | 10–20% | 3–20% |
| Mortgage Insurance | Not required with strong profile | Required under 20% down |
| Best For | High‑value homes | Standard home purchases |
Jumbo loans require more detailed documentation due to the higher loan amounts. Most borrowers will need:
Our team helps you gather everything quickly and ensures your file meets Jumbo underwriting standards.
A borrower purchasing a $1.6 million home in Fairfax County with 20 percent down may qualify for a Jumbo Loan with competitive rates, no mortgage insurance, and flexible terms depending on credit, income, and assets.
Our region includes some of the most competitive and high‑value real estate markets in the country. Whether you're purchasing a luxury home in Northern Virginia, a high‑end property in Maryland, or a premium residence in Washington DC, we offer Jumbo Loan solutions tailored to your financial profile.
We understand the unique needs of high‑income borrowers, self‑employed professionals, and buyers navigating competitive markets.
Local expertise in VA, MD and DC Fast approvals and competitive rates Experience working with high‑income and self‑employed borrowers Personalized loan options Transparent communication throughout the process
Our team specializes in helping borrowers secure financing for high‑value homes.
⭐⭐⭐⭐⭐ “ABC United Finance guided us through a $1.3M purchase in Arlington, and the experience was exceptional. Their team explained every detail of the Jumbo loan process and secured a great rate. We closed on time with zero stress.” — Michael & Dana R., Arlington, VA
⭐⭐⭐⭐⭐ “We purchased a home in NW DC using a Jumbo loan, and the team at ABC United Finance was outstanding. Their communication was clear, fast, and professional. I felt confident every step of the way.” — Jonathan P., Washington, DC
What credit score do I need for a Jumbo Loan? Most lenders require a score of 680 to 700 or higher.
How much do I need for a down payment? Down payments typically range from 10 to 20 percent.
Do Jumbo Loans require mortgage insurance? No. Jumbo Loans do not require mortgage insurance with sufficient down payment.
Can I use a Jumbo Loan for a second home? Yes. Jumbo Loans are available for primary residences, second homes, and investment properties.
Are interest rates higher on Jumbo Loans? Rates may be slightly higher than conforming loans, but strong borrowers often receive competitive pricing.
Can self‑employed borrowers qualify? Yes. Self‑employed borrowers may qualify using tax returns, bank statements, or alternative documentation.
Can I refinance a Jumbo Loan? Yes. Jumbo refinances are available for rate‑and‑term or cash‑out options
Whether you're purchasing a luxury home or refinancing a high‑value property, our Jumbo loan specialists are here to guide you every step of the way. Discover how competitive rates and flexible options can help you achieve your homeownership goals.
